HomePromise in Florida vs the state
50.0%Denial rate+28.94 pts vs state
88.9%Decision denial rate+61.65 pts vs state
6.3%Origination rate-46.44 pts vs state
7.00%Median rate+0.38 pts vs state
0.48Rate spread (pts)+0.21 pts vs state
$82kMedian applicant income
11Loans originated
88Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 208 | 18 | 46.2% | 7.63% | #376 |
| 2024 | 155 | 14 | 42.6% | 7.50% | #419 |
| 2025 | 176 | 11 | 50.0% | 7.00% | #390 |
What HomePromise lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most HomePromise applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 18 | 0 | 12 | 66.7% |
| Hillsborough County | 16 | 2 | 3 | 18.8% |
| Broward County | 10 | 0 | 4 | 40.0% |
| Marion County | 10 | 0 | 7 | 70.0% |
| Orange County | 9 | 0 | 7 | 77.8% |
| Brevard County | 8 | 1 | 3 | 37.5% |
| Lee County | 8 | 1 | 3 | 37.5% |
| Clay County | 8 | 2 | 4 | 50.0% |
| Volusia County | 7 | 1 | 3 | 42.9% |
| Pasco County | 7 | 0 | 1 | 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: 176 applications in 2025, of which 11 were originated and 88 denied.
50.0% of all applications, or 88.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans HomePromise originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are HomePromise'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