Mid-Continent Funding in Florida vs the state
7.8%Denial rate-13.28 pts vs state
10.9%Decision denial rate-16.30 pts vs state
53.1%Origination rate+0.44 pts vs state
6.50%Median rate-0.13 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$84kMedian applicant income
246Loans originated
36Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 294 | 145 | 10.2% | 6.25% | #319 |
| 2024 | 347 | 211 | 6.6% | 6.25% | #289 |
| 2025 | 463 | 246 | 7.8% | 6.50% | #249 |
What Mid-Continent Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Mid-Continent Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 28 | 17 | 2 | 7.1% |
| Brevard County | 28 | 10 | 3 | 10.7% |
| Duval County | 27 | 18 | 3 | 11.1% |
| Volusia County | 25 | 11 | 2 | 8.0% |
| Polk County | 24 | 14 | 1 | 4.2% |
| Pasco County | 20 | 7 | 3 | 15.0% |
| Broward County | 18 | 10 | 4 | 22.2% |
| Lee County | 17 | 13 | 1 | 5.9% |
| Escambia County | 15 | 7 | 2 | 13.3% |
| Sarasota County | 14 | 6 | 1 | 7.1% |
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: 463 applications in 2025, of which 246 were originated and 36 denied.
7.8% of all applications, or 10.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Mid-Continent Funding originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Mid-Continent Funding'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