Intercredit Bank in Florida vs the state
12.2%Denial rate-8.86 pts vs state
16.0%Decision denial rate-11.28 pts vs state
62.6%Origination rate+9.91 pts vs state
—Median rate
—Rate spread (pts)
$392kMedian applicant income
77Loans originated
15Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 69 | 10.4% | — | #456 |
| 2024 | 71 | 37 | 18.3% | — | #539 |
| 2025 | 123 | 77 | 12.2% | — | #450 |
What Intercredit Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Intercredit Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 64 | 33 | 8 | 12.5% |
| Osceola County | 17 | 14 | 1 | 5.9% |
| Lake County | 11 | 9 | 1 | 9.1% |
| Broward County | 10 | 6 | 2 | 20.0% |
| Polk County | 7 | 6 | 0 | 0.0% |
| Orange County | 5 | 4 | 1 | 20.0% |
| Lee County | 3 | 1 | 0 | 0.0% |
| Palm Beach County | 3 | 2 | 1 | 33.3% |
| Volusia County | 2 | 2 | 0 | 0.0% |
| St. Lucie County | 1 | 0 | 1 | 100.0% |
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: 123 applications in 2025, of which 77 were originated and 15 denied.
12.2% of all applications, or 16.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Intercredit Bank'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