Kbhs Home Loans in Florida vs the state
8.5%Denial rate-12.55 pts vs state
11.7%Decision denial rate-15.56 pts vs state
63.7%Origination rate+11.05 pts vs state
5.99%Median rate-0.63 pts vs state
-0.22Rate spread (pts)-0.48 pts vs state
$105kMedian applicant income
1,371Loans originated
183Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,563 | 1,587 | 10.4% | 5.99% | #71 |
| 2024 | 2,333 | 1,537 | 6.8% | 5.99% | #78 |
| 2025 | 2,151 | 1,371 | 8.5% | 5.99% | #89 |
What Kbhs Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Kbhs Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 338 | 206 | 55 | 16.3% |
| Lake County | 316 | 193 | 41 | 13.0% |
| Pasco County | 255 | 156 | 15 | 5.9% |
| Manatee County | 223 | 108 | 11 | 4.9% |
| Brevard County | 220 | 154 | 6 | 2.7% |
| Duval County | 214 | 148 | 14 | 6.5% |
| Flagler County | 126 | 84 | 6 | 4.8% |
| St. Johns County | 105 | 82 | 5 | 4.8% |
| Seminole County | 77 | 61 | 3 | 3.9% |
| Osceola County | 76 | 44 | 15 | 19.7% |
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: 2,151 applications in 2025, of which 1,371 were originated and 183 denied.
8.5% of all applications, or 11.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Kbhs Home Loans originated in Florida in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Kbhs Home Loans'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