Kind Lending in Florida vs the state
28.4%Denial rate+7.38 pts vs state
32.0%Decision denial rate+4.80 pts vs state
59.7%Origination rate+7.02 pts vs state
6.63%Median rate0.00 pts vs state
0.39Rate spread (pts)+0.12 pts vs state
$122kMedian applicant income
2,662Loans originated
1,268Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,639 | 918 | 28.7% | 6.75% | #97 |
| 2024 | 2,804 | 1,624 | 28.3% | 6.63% | #67 |
| 2025 | 4,458 | 2,662 | 28.4% | 6.63% | #48 |
What Kind Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 423 | 228 | 159 | 37.6% |
| Broward County | 372 | 205 | 122 | 32.8% |
| Hillsborough County | 306 | 191 | 88 | 28.8% |
| Palm Beach County | 283 | 161 | 82 | 29.0% |
| Lee County | 282 | 185 | 72 | 25.5% |
| Pinellas County | 255 | 153 | 71 | 27.8% |
| Orange County | 227 | 129 | 65 | 28.6% |
| Polk County | 187 | 103 | 58 | 31.0% |
| Duval County | 167 | 106 | 40 | 24.0% |
| Pasco County | 166 | 105 | 41 | 24.7% |
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: 4,458 applications in 2025, of which 2,662 were originated and 1,268 denied.
28.4% of all applications, or 32.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Kind Lending originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Kind 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