Homexpress Mortgage in Florida vs the state
44.8%Denial rate+23.71 pts vs state
45.1%Decision denial rate+17.83 pts vs state
53.3%Origination rate+0.65 pts vs state
7.38%Median rate+0.75 pts vs state
1.16Rate spread (pts)+0.89 pts vs state
$194kMedian applicant income
1,325Loans originated
1,112Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,556 | 813 | 45.1% | 8.50% | #103 |
| 2024 | 1,991 | 1,069 | 44.2% | 8.00% | #91 |
| 2025 | 2,484 | 1,325 | 44.8% | 7.38% | #82 |
What Homexpress Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Homexpress Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 332 | 153 | 174 | 52.4% |
| Broward County | 246 | 114 | 124 | 50.4% |
| Palm Beach County | 212 | 114 | 95 | 44.8% |
| Orange County | 158 | 86 | 66 | 41.8% |
| Hillsborough County | 146 | 76 | 68 | 46.6% |
| Polk County | 116 | 63 | 52 | 44.8% |
| Lee County | 112 | 67 | 44 | 39.3% |
| Pinellas County | 111 | 62 | 48 | 43.2% |
| Osceola County | 101 | 53 | 44 | 43.6% |
| Duval County | 91 | 52 | 39 | 42.9% |
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: 2,484 applications in 2025, of which 1,325 were originated and 1,112 denied.
44.8% of all applications, or 45.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Homexpress Mortgage originated in Florida in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Homexpress 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