Helm Bank USA in Florida vs the state
6.3%Denial rate-14.78 pts vs state
7.3%Decision denial rate-19.98 pts vs state
78.7%Origination rate+26.05 pts vs state
—Median rate
—Rate spread (pts)
$261kMedian applicant income
163Loans originated
13Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 282 | 192 | 12.8% | — | #327 |
| 2024 | 283 | 195 | 8.8% | — | #327 |
| 2025 | 207 | 163 | 6.3% | — | #361 |
What Helm Bank USA lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Helm Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 95 | 72 | 8 | 8.4% |
| Orange County | 32 | 29 | 1 | 3.1% |
| Palm Beach County | 12 | 9 | 1 | 8.3% |
| Osceola County | 11 | 9 | 0 | 0.0% |
| Lake County | 11 | 11 | 0 | 0.0% |
| Polk County | 11 | 9 | 0 | 0.0% |
| Broward County | 10 | 7 | 2 | 20.0% |
| Charlotte County | 5 | 4 | 0 | 0.0% |
| Pasco County | 4 | 3 | 0 | 0.0% |
| Lee County | 3 | 2 | 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: 207 applications in 2025, of which 163 were originated and 13 denied.
6.3% of all applications, or 7.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Helm Bank USA'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