FirstBank in Florida vs the state
42.8%Denial rate+21.74 pts vs state
45.2%Decision denial rate+17.98 pts vs state
30.9%Origination rate-21.83 pts vs state
7.00%Median rate+0.38 pts vs state
0.55Rate spread (pts)+0.28 pts vs state
$89kMedian applicant income
75Loans originated
104Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 358 | 84 | 50.0% | 7.50% | #286 |
| 2024 | 321 | 69 | 47.4% | 7.25% | #305 |
| 2025 | 243 | 75 | 42.8% | 7.00% | #345 |
What FirstBank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most FirstBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Escambia County | 30 | 11 | 11 | 36.7% |
| Jackson County | 28 | 3 | 19 | 67.9% |
| Santa Rosa County | 15 | 6 | 2 | 13.3% |
| Bay County | 15 | 4 | 7 | 46.7% |
| Polk County | 11 | 2 | 9 | 81.8% |
| Holmes County | 11 | 2 | 8 | 72.7% |
| Walton County | 11 | 3 | 5 | 45.5% |
| Alachua County | 8 | 4 | 3 | 37.5% |
| Marion County | 7 | 3 | 4 | 57.1% |
| Levy County | 7 | 4 | 3 | 42.9% |
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: 243 applications in 2025, of which 75 were originated and 104 denied.
42.8% of all applications, or 45.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans FirstBank originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are FirstBank'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