Midflorida in Florida vs the state
43.4%Denial rate+22.37 pts vs state
51.0%Decision denial rate+23.72 pts vs state
40.8%Origination rate-11.91 pts vs state
6.38%Median rate-0.25 pts vs state
-0.06Rate spread (pts)-0.33 pts vs state
$102kMedian applicant income
3,721Loans originated
3,963Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8,139 | 3,067 | 47.2% | 6.25% | #26 |
| 2024 | 8,781 | 3,338 | 47.5% | 6.49% | #25 |
| 2025 | 9,125 | 3,721 | 43.4% | 6.38% | #22 |
What Midflorida lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Midflorida applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 2,446 | 1,160 | 898 | 36.7% |
| Hillsborough County | 870 | 335 | 381 | 43.8% |
| Pinellas County | 641 | 265 | 260 | 40.6% |
| St. Lucie County | 574 | 215 | 288 | 50.2% |
| Highlands County | 501 | 241 | 198 | 39.5% |
| Marion County | 428 | 187 | 177 | 41.4% |
| Pasco County | 415 | 181 | 163 | 39.3% |
| Orange County | 340 | 117 | 177 | 52.1% |
| Indian River County | 256 | 110 | 106 | 41.4% |
| Hernando County | 207 | 92 | 82 | 39.6% |
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: 9,125 applications in 2025, of which 3,721 were originated and 3,963 denied.
43.4% of all applications, or 51.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Midflorida originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Midflorida'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