Fbc Mortgage in Florida vs the state
5.6%Denial rate-15.48 pts vs state
7.1%Decision denial rate-20.14 pts vs state
72.7%Origination rate+20.01 pts vs state
6.13%Median rate-0.50 pts vs state
-0.01Rate spread (pts)-0.28 pts vs state
$118kMedian applicant income
2,916Loans originated
224Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,289 | 2,887 | 5.2% | 6.49% | #51 |
| 2024 | 4,292 | 2,999 | 6.3% | 6.38% | #51 |
| 2025 | 4,011 | 2,916 | 5.6% | 6.13% | #54 |
What Fbc Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Fbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 513 | 369 | 10 | 1.9% |
| Orange County | 377 | 254 | 27 | 7.2% |
| Polk County | 264 | 199 | 14 | 5.3% |
| Brevard County | 224 | 161 | 19 | 8.5% |
| Osceola County | 198 | 144 | 18 | 9.1% |
| Lake County | 196 | 142 | 13 | 6.6% |
| Volusia County | 193 | 137 | 11 | 5.7% |
| Pasco County | 166 | 117 | 4 | 2.4% |
| Hillsborough County | 164 | 109 | 10 | 6.1% |
| Bay County | 158 | 139 | 2 | 1.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 4,011 applications in 2025, of which 2,916 were originated and 224 denied.
5.6% of all applications, or 7.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Fbc Mortgage originated in Florida in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Fbc Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology