Liberty in Florida vs the state
5.6%Denial rate-15.43 pts vs state
7.3%Decision denial rate-19.98 pts vs state
71.2%Origination rate+18.50 pts vs state
6.75%Median rate+0.13 pts vs state
0.30Rate spread (pts)+0.03 pts vs state
$208kMedian applicant income
215Loans originated
17Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 105 | 63 | 12.4% | 7.00% | #478 |
| 2024 | 96 | 63 | 12.5% | 7.38% | #484 |
| 2025 | 302 | 215 | 5.6% | 6.75% | #305 |
What Liberty lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 42 | 34 | 2 | 4.8% |
| Pinellas County | 30 | 22 | 1 | 3.3% |
| Sarasota County | 27 | 19 | 1 | 3.7% |
| Pasco County | 23 | 21 | 1 | 4.3% |
| Manatee County | 23 | 15 | 1 | 4.3% |
| Palm Beach County | 18 | 9 | 2 | 11.1% |
| Hillsborough County | 16 | 9 | 1 | 6.3% |
| Orange County | 13 | 9 | 0 | 0.0% |
| Walton County | 13 | 9 | 0 | 0.0% |
| Collier County | 11 | 7 | 1 | 9.1% |
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: 302 applications in 2025, of which 215 were originated and 17 denied.
5.6% of all applications, or 7.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Liberty originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Liberty'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