Nations Lending in Florida vs the state
12.5%Denial rate-8.60 pts vs state
13.3%Decision denial rate-13.96 pts vs state
68.9%Origination rate+16.17 pts vs state
6.50%Median rate-0.13 pts vs state
0.45Rate spread (pts)+0.18 pts vs state
$82kMedian applicant income
199Loans originated
36Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 553 | 357 | 9.0% | 6.75% | #218 |
| 2024 | 454 | 282 | 9.9% | 6.75% | #253 |
| 2025 | 289 | 199 | 12.5% | 6.50% | #311 |
What Nations Lending lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 23 | 16 | 1 | 4.3% |
| Polk County | 23 | 13 | 3 | 13.0% |
| Lee County | 21 | 14 | 3 | 14.3% |
| Orange County | 17 | 13 | 0 | 0.0% |
| Lake County | 16 | 11 | 3 | 18.8% |
| Citrus County | 13 | 11 | 2 | 15.4% |
| Marion County | 13 | 6 | 1 | 7.7% |
| Volusia County | 11 | 9 | 1 | 9.1% |
| Pasco County | 10 | 7 | 3 | 30.0% |
| Hernando County | 8 | 5 | 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: 289 applications in 2025, of which 199 were originated and 36 denied.
12.5% of all applications, or 13.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Nations Lending originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Nations 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