Guaranteed Rate Affinity in Florida vs the state
7.2%Denial rate-13.90 pts vs state
10.7%Decision denial rate-16.53 pts vs state
58.0%Origination rate+5.28 pts vs state
6.63%Median rate0.00 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$131kMedian applicant income
1,458Loans originated
180Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,921 | 1,672 | 7.8% | 6.63% | #65 |
| 2024 | 2,157 | 1,336 | 9.2% | 6.65% | #84 |
| 2025 | 2,515 | 1,458 | 7.2% | 6.63% | #81 |
What Guaranteed Rate Affinity lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 220 | 118 | 20 | 9.1% |
| Hillsborough County | 194 | 111 | 15 | 7.7% |
| Miami-Dade County | 187 | 74 | 34 | 18.2% |
| Palm Beach County | 187 | 94 | 11 | 5.9% |
| Sarasota County | 187 | 122 | 10 | 5.3% |
| Pinellas County | 169 | 101 | 15 | 8.9% |
| Orange County | 159 | 93 | 10 | 6.3% |
| Manatee County | 131 | 88 | 7 | 5.3% |
| Escambia County | 121 | 86 | 4 | 3.3% |
| Seminole County | 93 | 53 | 1 | 1.1% |
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: 2,515 applications in 2025, of which 1,458 were originated and 180 denied.
7.2% 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 Guaranteed Rate Affinity originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Guaranteed Rate Affinity'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