K. Hovnanian American Mortgage in Florida vs the state
16.3%Denial rate-4.75 pts vs state
19.7%Decision denial rate-7.57 pts vs state
66.6%Origination rate+13.91 pts vs state
5.75%Median rate-0.88 pts vs state
-0.53Rate spread (pts)-0.80 pts vs state
$115kMedian applicant income
343Loans originated
84Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 372 | 213 | 15.9% | 6.50% | #279 |
| 2024 | 552 | 329 | 18.1% | 6.50% | #229 |
| 2025 | 515 | 343 | 16.3% | 5.75% | #238 |
What K. Hovnanian American Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most K. Hovnanian American Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Lucie County | 131 | 73 | 31 | 23.7% |
| Orange County | 102 | 64 | 18 | 17.6% |
| Brevard County | 88 | 64 | 13 | 14.8% |
| Marion County | 77 | 50 | 14 | 18.2% |
| Martin County | 60 | 44 | 5 | 8.3% |
| Flagler County | 33 | 27 | 1 | 3.0% |
| Osceola County | 13 | 12 | 0 | 0.0% |
| Citrus County | 8 | 7 | 1 | 12.5% |
| Seminole County | 2 | 1 | 1 | 50.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
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: 515 applications in 2025, of which 343 were originated and 84 denied.
16.3% of all applications, or 19.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans K. Hovnanian American Mortgage originated in Florida in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are K. Hovnanian American 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