First Savings Bank in Florida vs the state
40.0%Denial rate+18.94 pts vs state
50.0%Decision denial rate+22.76 pts vs state
37.8%Origination rate-14.91 pts vs state
7.63%Median rate+1.00 pts vs state
0.28Rate spread (pts)+0.01 pts vs state
$160kMedian applicant income
34Loans originated
36Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 485 | 273 | 10.3% | 6.75% | #234 |
| 2024 | 115 | 50 | 37.4% | 7.38% | #461 |
| 2025 | 90 | 34 | 40.0% | 7.63% | #501 |
What First Savings Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 10 | 2 | 5 | 50.0% |
| Orange County | 8 | 3 | 3 | 37.5% |
| Duval County | 8 | 2 | 6 | 75.0% |
| Broward County | 7 | 3 | 4 | 57.1% |
| Pinellas County | 5 | 3 | 1 | 20.0% |
| Pasco County | 5 | 1 | 1 | 20.0% |
| Manatee County | 5 | 2 | 0 | 0.0% |
| Seminole County | 4 | 2 | 1 | 25.0% |
| Hillsborough County | 4 | 0 | 3 | 75.0% |
| Miami-Dade County | 4 | 1 | 3 | 75.0% |
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: 90 applications in 2025, of which 34 were originated and 36 denied.
40.0% of all applications, or 50.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First Savings Bank originated in Florida in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are First Savings 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