First Community Mortgage in Florida vs the state
10.0%Denial rate-11.07 pts vs state
11.0%Decision denial rate-16.20 pts vs state
70.9%Origination rate+18.21 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.03 pts vs state
$107kMedian applicant income
575Loans originated
81Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 295 | 226 | 10.2% | 6.99% | #317 |
| 2024 | 864 | 671 | 10.5% | 6.75% | #171 |
| 2025 | 811 | 575 | 10.0% | 6.63% | #178 |
What First Community Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Leon County | 73 | 56 | 3 | 4.1% |
| Broward County | 60 | 39 | 12 | 20.0% |
| Orange County | 57 | 44 | 4 | 7.0% |
| Lee County | 49 | 34 | 5 | 10.2% |
| Palm Beach County | 48 | 35 | 4 | 8.3% |
| Seminole County | 41 | 31 | 2 | 4.9% |
| Duval County | 34 | 20 | 5 | 14.7% |
| St. Johns County | 29 | 20 | 1 | 3.4% |
| Pinellas County | 29 | 17 | 4 | 13.8% |
| Lake County | 28 | 23 | 1 | 3.6% |
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: 811 applications in 2025, of which 575 were originated and 81 denied.
10.0% of all applications, or 11.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First Community Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are First Community 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