Mlb Residential Lending in Florida vs the state
45.7%Denial rate+24.59 pts vs state
55.3%Decision denial rate+28.02 pts vs state
28.3%Origination rate-24.43 pts vs state
6.99%Median rate+0.37 pts vs state
1.10Rate spread (pts)+0.83 pts vs state
$103kMedian applicant income
13Loans originated
21Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 52 | 17.4% | 6.88% | #504 |
| 2024 | 60 | 24 | 41.7% | 6.88% | #566 |
| 2025 | 46 | 13 | 45.7% | 6.99% | #614 |
What Mlb Residential Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Mlb Residential Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 8 | 3 | 3 | 37.5% |
| Pasco County | 5 | 1 | 3 | 60.0% |
| Broward County | 5 | 1 | 1 | 20.0% |
| Duval County | 3 | 0 | 3 | 100.0% |
| Lake County | 3 | 1 | 2 | 66.7% |
| Brevard County | 2 | 1 | 1 | 50.0% |
| Citrus County | 2 | 1 | 1 | 50.0% |
| Hillsborough County | 2 | 0 | 2 | 100.0% |
| Orange County | 2 | 1 | 0 | 0.0% |
| Osceola County | 2 | 0 | 1 | 50.0% |
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: 46 applications in 2025, of which 13 were originated and 21 denied.
45.7% of all applications, or 55.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Mlb Residential Lending originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Mlb Residential Lending'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