Home Financing Center in Florida vs the state
3.3%Denial rate-17.73 pts vs state
3.5%Decision denial rate-23.79 pts vs state
93.3%Origination rate+40.64 pts vs state
6.88%Median rate+0.25 pts vs state
1.07Rate spread (pts)+0.80 pts vs state
$130kMedian applicant income
84Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 81 | 0.0% | 7.38% | #520 |
| 2024 | 83 | 73 | 2.4% | 7.00% | #514 |
| 2025 | 90 | 84 | 3.3% | 6.88% | #502 |
What Home Financing Center lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Home Financing Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 56 | 53 | 2 | 3.6% |
| Broward County | 13 | 12 | 1 | 7.7% |
| Palm Beach County | 6 | 6 | 0 | 0.0% |
| Lake County | 4 | 2 | 0 | 0.0% |
| Lee County | 4 | 4 | 0 | 0.0% |
| Alachua County | 1 | 1 | 0 | 0.0% |
| Charlotte County | 1 | 1 | 0 | 0.0% |
| Brevard County | 1 | 1 | 0 | 0.0% |
| Collier County | 1 | 1 | 0 | 0.0% |
| St. Lucie 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: 90 applications in 2025, of which 84 were originated and 3 denied.
3.3% of all applications, or 3.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Home Financing Center originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Home Financing Center'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