Home Loan Investment Bank in Florida vs the state
38.3%Denial rate+17.24 pts vs state
56.3%Decision denial rate+29.01 pts vs state
29.8%Origination rate-22.90 pts vs state
6.95%Median rate+0.33 pts vs state
2.11Rate spread (pts)+1.85 pts vs state
$110kMedian applicant income
14Loans originated
18Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 41 | 39.5% | 8.50% | #443 |
| 2024 | 108 | 36 | 41.7% | 7.73% | #471 |
| 2025 | 47 | 14 | 38.3% | 6.95% | #609 |
What Home Loan Investment Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 11 | 1 | 4 | 36.4% |
| Lee County | 4 | 1 | 2 | 50.0% |
| St. Lucie County | 3 | 2 | 0 | 0.0% |
| Nassau County | 3 | 3 | 0 | 0.0% |
| Indian River County | 2 | 0 | 2 | 100.0% |
| Pasco County | 2 | 0 | 1 | 50.0% |
| Hendry County | 2 | 1 | 0 | 0.0% |
| Hillsborough County | 2 | 0 | 1 | 50.0% |
| Osceola County | 2 | 0 | 1 | 50.0% |
| Polk County | 2 | 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: 47 applications in 2025, of which 14 were originated and 18 denied.
38.3% of all applications, or 56.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Home Loan Investment Bank originated in Florida in 2025 was 6.95%, against a statewide median of 6.63%.
About this data. Figures are Home Loan Investment 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