Hometown Equity Mortgage in Florida vs the state
46.0%Denial rate+24.89 pts vs state
47.6%Decision denial rate+20.36 pts vs state
50.0%Origination rate-2.66 pts vs state
7.25%Median rate+0.63 pts vs state
1.05Rate spread (pts)+0.78 pts vs state
$168kMedian applicant income
1,457Loans originated
1,338Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,689 | 737 | 43.3% | 8.63% | #95 |
| 2024 | 1,958 | 968 | 48.2% | 7.75% | #93 |
| 2025 | 2,912 | 1,457 | 46.0% | 7.25% | #72 |
What Hometown Equity Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 547 | 237 | 281 | 51.4% |
| Broward County | 374 | 173 | 182 | 48.7% |
| Palm Beach County | 227 | 104 | 114 | 50.2% |
| Hillsborough County | 162 | 101 | 56 | 34.6% |
| Orange County | 162 | 88 | 72 | 44.4% |
| Lee County | 159 | 79 | 77 | 48.4% |
| Osceola County | 147 | 84 | 58 | 39.5% |
| Polk County | 95 | 57 | 37 | 38.9% |
| Pinellas County | 86 | 51 | 33 | 38.4% |
| Lake County | 67 | 36 | 30 | 44.8% |
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: 2,912 applications in 2025, of which 1,457 were originated and 1,338 denied.
46.0% of all applications, or 47.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Hometown Equity Mortgage originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Hometown Equity 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