Jmac Lending in Florida vs the state
4.4%Denial rate-16.69 pts vs state
6.0%Decision denial rate-21.20 pts vs state
68.1%Origination rate+15.38 pts vs state
6.50%Median rate-0.13 pts vs state
0.40Rate spread (pts)+0.13 pts vs state
$113kMedian applicant income
1,292Loans originated
83Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 337 | 195 | 12.5% | 6.99% | #292 |
| 2024 | 1,141 | 729 | 6.0% | 6.63% | #132 |
| 2025 | 1,898 | 1,292 | 4.4% | 6.50% | #95 |
What Jmac Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 196 | 133 | 10 | 5.1% |
| Broward County | 188 | 118 | 19 | 10.1% |
| Hillsborough County | 182 | 134 | 4 | 2.2% |
| Miami-Dade County | 164 | 92 | 19 | 11.6% |
| Pinellas County | 130 | 94 | 3 | 2.3% |
| Orange County | 101 | 69 | 1 | 1.0% |
| Pasco County | 99 | 82 | 1 | 1.0% |
| Polk County | 87 | 64 | 3 | 3.4% |
| Lee County | 76 | 48 | 5 | 6.6% |
| Sarasota County | 76 | 50 | 1 | 1.3% |
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: 1,898 applications in 2025, of which 1,292 were originated and 83 denied.
4.4% of all applications, or 6.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Jmac Lending originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Jmac Lending'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