Ixonia Bank in Florida vs the state
6.2%Denial rate-14.88 pts vs state
8.4%Decision denial rate-18.83 pts vs state
66.9%Origination rate+14.20 pts vs state
6.75%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.24 pts vs state
$106kMedian applicant income
693Loans originated
64Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,059 | 738 | 4.3% | 6.88% | #142 |
| 2024 | 992 | 641 | 6.7% | 6.75% | #154 |
| 2025 | 1,036 | 693 | 6.2% | 6.75% | #151 |
What Ixonia Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 114 | 72 | 12 | 10.5% |
| Manatee County | 71 | 54 | 5 | 7.0% |
| Lake County | 71 | 51 | 2 | 2.8% |
| Volusia County | 68 | 49 | 2 | 2.9% |
| Charlotte County | 64 | 50 | 0 | 0.0% |
| Seminole County | 51 | 30 | 4 | 7.8% |
| Lee County | 49 | 26 | 6 | 12.2% |
| Marion County | 45 | 29 | 6 | 13.3% |
| Hillsborough County | 42 | 27 | 2 | 4.8% |
| Sarasota County | 41 | 29 | 1 | 2.4% |
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: 1,036 applications in 2025, of which 693 were originated and 64 denied.
6.2% of all applications, or 8.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Ixonia Bank originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Ixonia 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