FM Home Loans in Florida vs the state
1.4%Denial rate-19.65 pts vs state
1.8%Decision denial rate-25.43 pts vs state
63.0%Origination rate+10.34 pts vs state
6.99%Median rate+0.37 pts vs state
0.50Rate spread (pts)+0.23 pts vs state
$265kMedian applicant income
179Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 144 | 2.1% | 7.38% | #351 |
| 2024 | 335 | 193 | 3.0% | 7.25% | #297 |
| 2025 | 284 | 179 | 1.4% | 6.99% | #315 |
What FM Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most FM Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 115 | 74 | 4 | 3.5% |
| Palm Beach County | 68 | 43 | 0 | 0.0% |
| Miami-Dade County | 55 | 35 | 0 | 0.0% |
| Osceola County | 10 | 9 | 0 | 0.0% |
| Seminole County | 6 | 0 | 0 | 0.0% |
| Bay County | 4 | 4 | 0 | 0.0% |
| Duval County | 4 | 2 | 0 | 0.0% |
| Pinellas County | 4 | 3 | 0 | 0.0% |
| Manatee County | 3 | 3 | 0 | 0.0% |
| Orange County | 2 | 1 | 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: 284 applications in 2025, of which 179 were originated and 4 denied.
1.4% of all applications, or 1.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans FM Home Loans originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are FM Home Loans'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