Homeamerican Mortgage in Florida vs the state
15.1%Denial rate-5.97 pts vs state
15.9%Decision denial rate-11.35 pts vs state
75.3%Origination rate+22.65 pts vs state
4.63%Median rate-2.00 pts vs state
-1.59Rate spread (pts)-1.86 pts vs state
$107kMedian applicant income
614Loans originated
123Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 921 | 609 | 15.1% | 5.63% | #162 |
| 2024 | 1,408 | 1,061 | 13.2% | 5.00% | #107 |
| 2025 | 815 | 614 | 15.1% | 4.63% | #177 |
What Homeamerican Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Homeamerican Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 194 | 143 | 33 | 17.0% |
| Duval County | 175 | 124 | 38 | 21.7% |
| Lake County | 126 | 103 | 11 | 8.7% |
| St. Johns County | 125 | 96 | 13 | 10.4% |
| Hillsborough County | 33 | 26 | 5 | 15.2% |
| Osceola County | 31 | 28 | 2 | 6.5% |
| Volusia County | 28 | 24 | 2 | 7.1% |
| Clay County | 26 | 21 | 3 | 11.5% |
| Nassau County | 24 | 18 | 4 | 16.7% |
| Flagler County | 16 | 12 | 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: 815 applications in 2025, of which 614 were originated and 123 denied.
15.1% of all applications, or 15.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Homeamerican Mortgage originated in Florida in 2025 was 4.63%, against a statewide median of 6.63%.
About this data. Figures are Homeamerican Mortgage'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