Lima One Capital in Florida vs the state
25.9%Denial rate+4.79 pts vs state
31.0%Decision denial rate+3.79 pts vs state
57.5%Origination rate+4.79 pts vs state
9.55%Median rate+2.93 pts vs state
—Rate spread (pts)
—Median applicant income
269Loans originated
121Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 396 | 396 | 0.0% | 9.78% | #267 |
| 2024 | 771 | 420 | 22.2% | 10.20% | #180 |
| 2025 | 468 | 269 | 25.9% | 9.55% | #248 |
What Lima One Capital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 59 | 18 | 28 | 47.5% |
| Lee County | 49 | 28 | 7 | 14.3% |
| Pinellas County | 47 | 25 | 19 | 40.4% |
| Miami-Dade County | 33 | 15 | 11 | 33.3% |
| Hillsborough County | 29 | 18 | 6 | 20.7% |
| Duval County | 26 | 13 | 7 | 26.9% |
| Palm Beach County | 25 | 18 | 5 | 20.0% |
| Brevard County | 22 | 17 | 3 | 13.6% |
| Orange County | 17 | 9 | 5 | 29.4% |
| Charlotte County | 14 | 8 | 4 | 28.6% |
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: 468 applications in 2025, of which 269 were originated and 121 denied.
25.9% of all applications, or 31.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Lima One Capital originated in Florida in 2025 was 9.55%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital'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