First Bank in Florida vs the state
27.5%Denial rate+6.43 pts vs state
38.8%Decision denial rate+11.60 pts vs state
39.8%Origination rate-12.92 pts vs state
—Median rate
—Rate spread (pts)
$105kMedian applicant income
68Loans originated
47Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 146 | 63 | 25.3% | — | #428 |
| 2024 | 160 | 54 | 34.4% | — | #412 |
| 2025 | 171 | 68 | 27.5% | — | #396 |
What First Bank lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hendry County | 63 | 28 | 21 | 33.3% |
| Lee County | 40 | 17 | 8 | 20.0% |
| Glades County | 25 | 10 | 7 | 28.0% |
| Palm Beach County | 20 | 4 | 6 | 30.0% |
| Collier County | 13 | 3 | 4 | 30.8% |
| Charlotte County | 3 | 2 | 0 | 0.0% |
| Highlands County | 3 | 1 | 1 | 33.3% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 0 | 0 | 0.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
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: 171 applications in 2025, of which 68 were originated and 47 denied.
27.5% of all applications, or 38.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are First Bank'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