Legend Lending in Florida vs the state
1.0%Denial rate-20.03 pts vs state
1.3%Decision denial rate-25.90 pts vs state
75.4%Origination rate+22.69 pts vs state
6.75%Median rate+0.13 pts vs state
0.59Rate spread (pts)+0.32 pts vs state
$126kMedian applicant income
147Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 151 | 1.5% | 6.88% | #384 |
| 2024 | 187 | 118 | 2.1% | 7.13% | #387 |
| 2025 | 195 | 147 | 1.0% | 6.75% | #373 |
What Legend Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Legend Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 109 | 87 | 1 | 0.9% |
| Pasco County | 31 | 23 | 0 | 0.0% |
| Hillsborough County | 20 | 13 | 0 | 0.0% |
| Brevard County | 7 | 6 | 0 | 0.0% |
| Volusia County | 4 | 4 | 0 | 0.0% |
| Orange County | 4 | 0 | 0 | 0.0% |
| Hernando County | 2 | 0 | 0 | 0.0% |
| Polk County | 2 | 0 | 1 | 50.0% |
| Citrus County | 2 | 2 | 0 | 0.0% |
| Seminole County | 2 | 2 | 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: 195 applications in 2025, of which 147 were originated and 2 denied.
1.0% of all applications, or 1.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Legend Lending originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Legend 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