Filo Mortgage in Florida vs the state
6.3%Denial rate-14.75 pts vs state
10.6%Decision denial rate-16.63 pts vs state
48.1%Origination rate-4.57 pts vs state
6.38%Median rate-0.25 pts vs state
0.13Rate spread (pts)-0.14 pts vs state
$145kMedian applicant income
435Loans originated
57Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 449 | 126 | 7.1% | 6.25% | #243 |
| 2024 | 658 | 351 | 4.3% | 6.50% | #201 |
| 2025 | 904 | 435 | 6.3% | 6.38% | #165 |
What Filo Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Filo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 91 | 51 | 8 | 8.8% |
| Broward County | 76 | 33 | 3 | 3.9% |
| Hillsborough County | 69 | 44 | 3 | 4.3% |
| Miami-Dade County | 67 | 19 | 3 | 4.5% |
| Pinellas County | 59 | 32 | 4 | 6.8% |
| Duval County | 47 | 22 | 6 | 12.8% |
| Orange County | 43 | 26 | 1 | 2.3% |
| Manatee County | 40 | 20 | 2 | 5.0% |
| Sarasota County | 38 | 19 | 3 | 7.9% |
| Lee County | 37 | 20 | 2 | 5.4% |
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: 904 applications in 2025, of which 435 were originated and 57 denied.
6.3% of all applications, or 10.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Filo Mortgage originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Filo 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