Fundloans Capital in Florida vs the state
5.6%Denial rate-15.44 pts vs state
10.7%Decision denial rate-16.53 pts vs state
46.8%Origination rate-5.87 pts vs state
7.75%Median rate+1.13 pts vs state
1.44Rate spread (pts)+1.17 pts vs state
$616kMedian applicant income
125Loans originated
15Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 222 | 101 | 18.0% | 9.63% | #364 |
| 2024 | 298 | 152 | 8.1% | 8.06% | #318 |
| 2025 | 267 | 125 | 5.6% | 7.75% | #327 |
What Fundloans Capital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Fundloans Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 73 | 35 | 4 | 5.5% |
| Broward County | 46 | 21 | 1 | 2.2% |
| Palm Beach County | 28 | 11 | 3 | 10.7% |
| Walton County | 14 | 8 | 2 | 14.3% |
| Lee County | 12 | 3 | 1 | 8.3% |
| Pinellas County | 11 | 5 | 2 | 18.2% |
| Hillsborough County | 10 | 5 | 0 | 0.0% |
| Collier County | 8 | 5 | 0 | 0.0% |
| Manatee County | 5 | 4 | 0 | 0.0% |
| St. Johns County | 5 | 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: 267 applications in 2025, of which 125 were originated and 15 denied.
5.6% of all applications, or 10.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Fundloans Capital originated in Florida in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Fundloans Capital'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