Harborone Mortgage in Florida vs the state
13.5%Denial rate-7.60 pts vs state
15.9%Decision denial rate-11.33 pts vs state
71.2%Origination rate+18.46 pts vs state
6.63%Median rate0.00 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$148kMedian applicant income
37Loans originated
7Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 34 | 21.4% | 6.93% | #600 |
| 2024 | 42 | 33 | 11.9% | 6.88% | #630 |
| 2025 | 52 | 37 | 13.5% | 6.63% | #592 |
What Harborone Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Harborone Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charlotte County | 19 | 13 | 2 | 10.5% |
| Sarasota County | 6 | 4 | 1 | 16.7% |
| Manatee County | 5 | 2 | 2 | 40.0% |
| Palm Beach County | 4 | 3 | 1 | 25.0% |
| Lee County | 4 | 3 | 0 | 0.0% |
| Collier County | 4 | 3 | 1 | 25.0% |
| Volusia County | 3 | 3 | 0 | 0.0% |
| Brevard County | 1 | 1 | 0 | 0.0% |
| Broward County | 1 | 0 | 0 | 0.0% |
| Citrus County | 1 | 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: 52 applications in 2025, of which 37 were originated and 7 denied.
13.5% of all applications, or 15.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Harborone Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Harborone 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