First National Bank of America in Florida vs the state
21.7%Denial rate+0.63 pts vs state
27.3%Decision denial rate+0.03 pts vs state
57.0%Origination rate+4.34 pts vs state
9.13%Median rate+2.50 pts vs state
2.97Rate spread (pts)+2.70 pts vs state
$119kMedian applicant income
142Loans originated
54Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 326 | 197 | 18.4% | 10.00% | #299 |
| 2024 | 346 | 197 | 15.9% | 9.63% | #291 |
| 2025 | 249 | 142 | 21.7% | 9.13% | #339 |
What First National Bank of America lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 22 | 13 | 4 | 18.2% |
| Palm Beach County | 22 | 16 | 4 | 18.2% |
| Orange County | 16 | 11 | 0 | 0.0% |
| Pasco County | 16 | 11 | 4 | 25.0% |
| Hillsborough County | 14 | 5 | 7 | 50.0% |
| Miami-Dade County | 14 | 4 | 5 | 35.7% |
| Polk County | 11 | 6 | 2 | 18.2% |
| Marion County | 11 | 10 | 1 | 9.1% |
| Walton County | 9 | 7 | 1 | 11.1% |
| St. Lucie County | 9 | 4 | 2 | 22.2% |
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: 249 applications in 2025, of which 142 were originated and 54 denied.
21.7% of all applications, or 27.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First National Bank of America originated in Florida in 2025 was 9.13%, against a statewide median of 6.63%.
About this data. Figures are First National Bank of America'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