Mortgage Access in Florida vs the state
2.8%Denial rate-18.28 pts vs state
4.2%Decision denial rate-23.07 pts vs state
61.1%Origination rate+8.42 pts vs state
6.31%Median rate-0.31 pts vs state
0.01Rate spread (pts)-0.26 pts vs state
$168kMedian applicant income
22Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 23 | 7.1% | 6.75% | #664 |
| 2024 | 33 | 22 | 6.1% | 6.63% | #680 |
| 2025 | 36 | 22 | 2.8% | 6.31% | #655 |
What Mortgage Access lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 11 | 7 | 1 | 9.1% |
| Broward County | 3 | 1 | 0 | 0.0% |
| Pasco County | 2 | 0 | 0 | 0.0% |
| Sarasota County | 2 | 1 | 0 | 0.0% |
| Volusia County | 2 | 2 | 0 | 0.0% |
| Brevard County | 2 | 1 | 0 | 0.0% |
| Indian River County | 2 | 0 | 0 | 0.0% |
| Hernando County | 1 | 1 | 0 | 0.0% |
| Escambia County | 1 | 1 | 0 | 0.0% |
| Palm Beach County | 1 | 1 | 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: 36 applications in 2025, of which 22 were originated and 1 denied.
2.8% of all applications, or 4.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Mortgage Access originated in Florida in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Access'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