FlexPoint in Florida vs the state
4.6%Denial rate-16.51 pts vs state
6.8%Decision denial rate-20.45 pts vs state
44.5%Origination rate-8.18 pts vs state
7.25%Median rate+0.63 pts vs state
0.97Rate spread (pts)+0.70 pts vs state
$181kMedian applicant income
284Loans originated
29Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 250 | 59 | 16.8% | 7.88% | #347 |
| 2024 | 352 | 138 | 10.2% | 7.63% | #284 |
| 2025 | 638 | 284 | 4.6% | 7.25% | #207 |
What FlexPoint lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most FlexPoint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 133 | 58 | 5 | 3.8% |
| Broward County | 98 | 43 | 9 | 9.2% |
| Palm Beach County | 52 | 29 | 4 | 7.7% |
| Lee County | 45 | 21 | 1 | 2.2% |
| Orange County | 35 | 12 | 0 | 0.0% |
| Hillsborough County | 24 | 10 | 2 | 8.3% |
| Sarasota County | 21 | 10 | 1 | 4.8% |
| Pinellas County | 20 | 7 | 2 | 10.0% |
| Manatee County | 15 | 5 | 0 | 0.0% |
| Collier County | 14 | 7 | 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: 638 applications in 2025, of which 284 were originated and 29 denied.
4.6% of all applications, or 6.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans FlexPoint originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are FlexPoint'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