Manufacturers and Traders Trust in Florida vs the state
35.6%Denial rate+14.52 pts vs state
43.3%Decision denial rate+16.07 pts vs state
44.2%Origination rate-8.45 pts vs state
5.88%Median rate-0.75 pts vs state
-0.07Rate spread (pts)-0.34 pts vs state
$116kMedian applicant income
342Loans originated
275Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 658 | 283 | 38.0% | 6.75% | #198 |
| 2024 | 625 | 285 | 37.6% | 6.50% | #207 |
| 2025 | 773 | 342 | 35.6% | 5.88% | #183 |
What Manufacturers and Traders Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 68 | 37 | 20 | 29.4% |
| Miami-Dade County | 62 | 20 | 31 | 50.0% |
| Broward County | 59 | 14 | 32 | 54.2% |
| Hillsborough County | 42 | 20 | 17 | 40.5% |
| Lee County | 42 | 23 | 12 | 28.6% |
| Orange County | 37 | 12 | 21 | 56.8% |
| Collier County | 35 | 22 | 10 | 28.6% |
| Duval County | 31 | 17 | 8 | 25.8% |
| Polk County | 26 | 9 | 11 | 42.3% |
| Pasco County | 26 | 9 | 10 | 38.5% |
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: 773 applications in 2025, of which 342 were originated and 275 denied.
35.6% of all applications, or 43.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Manufacturers and Traders Trust originated in Florida in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Manufacturers and Traders Trust'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