Liberty Home Mortgage in Florida vs the state
16.7%Denial rate-4.39 pts vs state
27.3%Decision denial rate+0.03 pts vs state
44.4%Origination rate-8.25 pts vs state
7.25%Median rate+0.63 pts vs state
1.31Rate spread (pts)+1.04 pts vs state
$81kMedian applicant income
16Loans originated
6Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 167 | 59 | 18.6% | 7.13% | #413 |
| 2024 | 98 | 37 | 22.5% | 6.63% | #479 |
| 2025 | 36 | 16 | 16.7% | 7.25% | #648 |
What Liberty Home Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Liberty Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 6 | 4 | 2 | 33.3% |
| Hillsborough County | 5 | 3 | 0 | 0.0% |
| Osceola County | 4 | 2 | 0 | 0.0% |
| Polk County | 3 | 1 | 1 | 33.3% |
| Manatee County | 3 | 0 | 2 | 66.7% |
| Seminole County | 2 | 1 | 0 | 0.0% |
| Pasco County | 2 | 1 | 0 | 0.0% |
| Sarasota County | 2 | 2 | 0 | 0.0% |
| Citrus County | 1 | 0 | 0 | 0.0% |
| Brevard County | 1 | 0 | 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: 36 applications in 2025, of which 16 were originated and 6 denied.
16.7% of all applications, or 27.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Liberty Home Mortgage originated in Florida in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Liberty Home 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