Lendingone in Florida vs the state
15.8%Denial rate-5.25 pts vs state
63.6%Decision denial rate+36.40 pts vs state
9.0%Origination rate-43.66 pts vs state
7.29%Median rate+0.66 pts vs state
—Rate spread (pts)
—Median applicant income
276Loans originated
483Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,043 | 252 | 60.4% | 7.75% | #146 |
| 2024 | 999 | 280 | 58.7% | 7.60% | #153 |
| 2025 | 3,055 | 276 | 15.8% | 7.29% | #68 |
What Lendingone lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 313 | 17 | 35 | 11.2% |
| Palm Beach County | 311 | 31 | 44 | 14.1% |
| Broward County | 272 | 7 | 30 | 11.0% |
| Duval County | 242 | 39 | 38 | 15.7% |
| Pinellas County | 212 | 15 | 29 | 13.7% |
| Hillsborough County | 185 | 16 | 23 | 12.4% |
| Lee County | 160 | 25 | 33 | 20.6% |
| Orange County | 153 | 4 | 19 | 12.4% |
| Volusia County | 87 | 10 | 9 | 10.3% |
| Polk County | 87 | 12 | 15 | 17.2% |
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: 3,055 applications in 2025, of which 276 were originated and 483 denied.
15.8% of all applications, or 63.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Lendingone originated in Florida in 2025 was 7.29%, against a statewide median of 6.63%.
About this data. Figures are Lendingone'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