Freedom Mortgage in Florida vs the state
10.6%Denial rate-10.50 pts vs state
18.2%Decision denial rate-9.03 pts vs state
41.1%Origination rate-11.56 pts vs state
6.25%Median rate-0.38 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$101kMedian applicant income
5,374Loans originated
1,380Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 6,061 | 2,757 | 15.3% | 6.75% | #36 |
| 2024 | 12,754 | 5,988 | 11.1% | 6.25% | #15 |
| 2025 | 13,067 | 5,374 | 10.6% | 6.25% | #14 |
What Freedom Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 993 | 436 | 122 | 12.3% |
| Broward County | 782 | 271 | 103 | 13.2% |
| Duval County | 726 | 336 | 59 | 8.1% |
| Polk County | 722 | 305 | 83 | 11.5% |
| Miami-Dade County | 686 | 205 | 93 | 13.6% |
| Brevard County | 628 | 276 | 53 | 8.4% |
| Orange County | 618 | 240 | 62 | 10.0% |
| Palm Beach County | 596 | 213 | 70 | 11.7% |
| Lee County | 560 | 238 | 71 | 12.7% |
| Pasco County | 530 | 246 | 57 | 10.8% |
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: 13,067 applications in 2025, of which 5,374 were originated and 1,380 denied.
10.6% of all applications, or 18.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Freedom Mortgage originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Freedom Mortgage'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