Georgia'S Own in Florida vs the state
33.3%Denial rate+12.27 pts vs state
38.6%Decision denial rate+11.36 pts vs state
51.0%Origination rate-1.68 pts vs state
8.25%Median rate+1.63 pts vs state
0.99Rate spread (pts)+0.72 pts vs state
$243kMedian applicant income
101Loans originated
66Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 299 | 179 | 24.8% | 9.74% | #310 |
| 2024 | 316 | 180 | 28.5% | 9.75% | #309 |
| 2025 | 198 | 101 | 33.3% | 8.25% | #367 |
What Georgia'S Own lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 41 | 24 | 10 | 24.4% |
| Palm Beach County | 31 | 17 | 10 | 32.3% |
| Broward County | 21 | 10 | 9 | 42.9% |
| Pinellas County | 11 | 6 | 3 | 27.3% |
| Orange County | 11 | 5 | 3 | 27.3% |
| Hillsborough County | 10 | 5 | 5 | 50.0% |
| Lee County | 8 | 4 | 3 | 37.5% |
| Bay County | 7 | 1 | 2 | 28.6% |
| Collier County | 6 | 1 | 3 | 50.0% |
| Monroe County | 5 | 3 | 2 | 40.0% |
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: 198 applications in 2025, of which 101 were originated and 66 denied.
33.3% of all applications, or 38.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Georgia'S Own originated in Florida in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Georgia'S Own'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