Heritage Bank in Florida vs the state
0.0%Denial rate-21.06 pts vs state
0.0%Decision denial rate-27.24 pts vs state
56.3%Origination rate+3.56 pts vs state
—Median rate
—Rate spread (pts)
$266kMedian applicant income
9Loans originated
0Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 15 | 0.0% | 5.88% | #831 |
| 2024 | 10 | 4 | 20.0% | — | #915 |
| 2025 | 16 | 9 | 0.0% | — | #807 |
What Heritage Bank lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 5 | 1 | 0 | 0.0% |
| Broward County | 3 | 1 | 0 | 0.0% |
| Miami-Dade County | 2 | 2 | 0 | 0.0% |
| Osceola County | 1 | 1 | 0 | 0.0% |
| Volusia County | 1 | 0 | 0 | 0.0% |
| Palm Beach County | 1 | 1 | 0 | 0.0% |
| Bay County | 1 | 1 | 0 | 0.0% |
| Brevard County | 1 | 1 | 0 | 0.0% |
| Lee 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: 16 applications in 2025, of which 9 were originated and 0 denied.
0.0% of all applications, or 0.0% 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 Heritage Bank'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