Home Mortgage Alliance Corporation (HMAC) in Florida vs the state
18.0%Denial rate-3.06 pts vs state
25.2%Decision denial rate-2.01 pts vs state
49.5%Origination rate-3.23 pts vs state
7.50%Median rate+0.88 pts vs state
1.67Rate spread (pts)+1.40 pts vs state
$113kMedian applicant income
228Loans originated
83Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 416 | 170 | 17.8% | 8.88% | #258 |
| 2024 | 551 | 276 | 6.5% | 8.25% | #230 |
| 2025 | 461 | 228 | 18.0% | 7.50% | #250 |
What Home Mortgage Alliance Corporation (HMAC) lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Home Mortgage Alliance Corporation (HMAC) applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 75 | 35 | 14 | 18.7% |
| Broward County | 70 | 31 | 18 | 25.7% |
| Manatee County | 51 | 28 | 3 | 5.9% |
| Lee County | 33 | 16 | 6 | 18.2% |
| Palm Beach County | 27 | 13 | 6 | 22.2% |
| Hillsborough County | 25 | 12 | 3 | 12.0% |
| Sarasota County | 23 | 10 | 2 | 8.7% |
| Charlotte County | 20 | 9 | 3 | 15.0% |
| Polk County | 17 | 9 | 4 | 23.5% |
| Pasco County | 14 | 7 | 2 | 14.3% |
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: 461 applications in 2025, of which 228 were originated and 83 denied.
18.0% of all applications, or 25.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Home Mortgage Alliance Corporation (HMAC) originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are Home Mortgage Alliance Corporation (HMAC)'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