Mortgage 1 in Florida vs the state
1.3%Denial rate-19.76 pts vs state
1.5%Decision denial rate-25.76 pts vs state
79.5%Origination rate+26.79 pts vs state
6.63%Median rate0.00 pts vs state
0.24Rate spread (pts)-0.03 pts vs state
$115kMedian applicant income
244Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 416 | 323 | 1.9% | 6.88% | #257 |
| 2024 | 326 | 239 | 3.1% | 6.75% | #302 |
| 2025 | 307 | 244 | 1.3% | 6.63% | #304 |
What Mortgage 1 lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Mortgage 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 234 | 186 | 3 | 1.3% |
| Charlotte County | 22 | 17 | 0 | 0.0% |
| Collier County | 6 | 6 | 0 | 0.0% |
| Pasco County | 5 | 3 | 0 | 0.0% |
| Hillsborough County | 5 | 4 | 0 | 0.0% |
| Pinellas County | 4 | 3 | 0 | 0.0% |
| Sarasota County | 4 | 1 | 1 | 25.0% |
| Brevard County | 3 | 3 | 0 | 0.0% |
| Broward County | 3 | 2 | 0 | 0.0% |
| Hendry County | 2 | 2 | 0 | 0.0% |
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: 307 applications in 2025, of which 244 were originated and 4 denied.
1.3% of all applications, or 1.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Mortgage 1 originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Mortgage 1'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