Investor Mortgage Finance in Florida vs the state
21.1%Denial rate+0.06 pts vs state
31.2%Decision denial rate+3.92 pts vs state
46.7%Origination rate-6.01 pts vs state
7.23%Median rate+0.60 pts vs state
—Rate spread (pts)
—Median applicant income
274Loans originated
124Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 724 | 358 | 21.0% | 7.70% | #191 |
| 2025 | 587 | 274 | 21.1% | 7.23% | #224 |
What Investor Mortgage Finance lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
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: 587 applications in 2025, of which 274 were originated and 124 denied.
21.1% of all applications, or 31.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Investor Mortgage Finance originated in Florida in 2025 was 7.23%, against a statewide median of 6.63%.
About this data. Figures are Investor Mortgage Finance'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