General Mortgage Capital in Florida vs the state
1.6%Denial rate-19.45 pts vs state
2.1%Decision denial rate-25.19 pts vs state
76.3%Origination rate+23.65 pts vs state
6.63%Median rate0.00 pts vs state
0.16Rate spread (pts)-0.11 pts vs state
$168kMedian applicant income
142Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 91 | 1.7% | 7.13% | #448 |
| 2024 | 160 | 127 | 1.3% | 6.99% | #411 |
| 2025 | 186 | 142 | 1.6% | 6.63% | #380 |
What General Mortgage Capital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most General Mortgage Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 44 | 34 | 1 | 2.3% |
| Broward County | 14 | 12 | 0 | 0.0% |
| Lake County | 13 | 9 | 1 | 7.7% |
| Osceola County | 11 | 7 | 0 | 0.0% |
| Hillsborough County | 11 | 7 | 0 | 0.0% |
| Palm Beach County | 10 | 10 | 0 | 0.0% |
| Sarasota County | 9 | 6 | 0 | 0.0% |
| Seminole County | 9 | 6 | 0 | 0.0% |
| Polk County | 8 | 7 | 0 | 0.0% |
| Miami-Dade County | 8 | 4 | 1 | 12.5% |
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: 186 applications in 2025, of which 142 were originated and 3 denied.
1.6% of all applications, or 2.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans General Mortgage Capital originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are General Mortgage 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