Mortgage Research Center in Florida vs the state
21.2%Denial rate+0.15 pts vs state
34.9%Decision denial rate+7.61 pts vs state
39.2%Origination rate-13.52 pts vs state
6.25%Median rate-0.38 pts vs state
-0.27Rate spread (pts)-0.54 pts vs state
$99kMedian applicant income
5,506Loans originated
2,982Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11,005 | 4,729 | 16.2% | 6.75% | #18 |
| 2024 | 11,814 | 5,035 | 18.0% | 6.38% | #16 |
| 2025 | 14,057 | 5,506 | 21.2% | 6.25% | #12 |
What Mortgage Research Center lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 1,064 | 438 | 234 | 22.0% |
| Hillsborough County | 791 | 316 | 161 | 20.4% |
| Brevard County | 777 | 279 | 166 | 21.4% |
| Polk County | 637 | 242 | 163 | 25.6% |
| Marion County | 567 | 263 | 118 | 20.8% |
| Pasco County | 565 | 210 | 126 | 22.3% |
| Volusia County | 521 | 223 | 88 | 16.9% |
| Broward County | 486 | 158 | 119 | 24.5% |
| Escambia County | 479 | 225 | 87 | 18.2% |
| Okaloosa County | 478 | 187 | 100 | 20.9% |
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: 14,057 applications in 2025, of which 5,506 were originated and 2,982 denied.
21.2% of all applications, or 34.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Mortgage Research Center originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Mortgage Research Center'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