My Mortgage in Florida vs the state
1.6%Denial rate-19.43 pts vs state
2.0%Decision denial rate-25.23 pts vs state
75.7%Origination rate+23.02 pts vs state
6.75%Median rate+0.13 pts vs state
0.89Rate spread (pts)+0.62 pts vs state
$110kMedian applicant income
742Loans originated
16Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,193 | 785 | 2.9% | 7.00% | #129 |
| 2024 | 1,134 | 792 | 2.9% | 6.99% | #135 |
| 2025 | 980 | 742 | 1.6% | 6.75% | #156 |
What My Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most My Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 279 | 215 | 3 | 1.1% |
| Hillsborough County | 242 | 189 | 4 | 1.7% |
| Broward County | 109 | 78 | 2 | 1.8% |
| Pasco County | 67 | 52 | 1 | 1.5% |
| Hernando County | 45 | 40 | 0 | 0.0% |
| Lee County | 42 | 32 | 0 | 0.0% |
| Osceola County | 25 | 18 | 1 | 4.0% |
| Orange County | 22 | 18 | 1 | 4.5% |
| Polk County | 19 | 12 | 3 | 15.8% |
| Pinellas County | 15 | 10 | 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: 980 applications in 2025, of which 742 were originated and 16 denied.
1.6% of all applications, or 2.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans My Mortgage originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are My Mortgage'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