NBKC Bank in Florida vs the state
13.5%Denial rate-7.57 pts vs state
19.9%Decision denial rate-7.32 pts vs state
53.3%Origination rate+0.58 pts vs state
6.25%Median rate-0.38 pts vs state
-0.15Rate spread (pts)-0.42 pts vs state
$150kMedian applicant income
383Loans originated
97Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 870 | 479 | 10.8% | 6.38% | #165 |
| 2024 | 898 | 492 | 12.6% | 6.38% | #163 |
| 2025 | 719 | 383 | 13.5% | 6.25% | #195 |
What NBKC Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 55 | 26 | 12 | 21.8% |
| Orange County | 52 | 24 | 5 | 9.6% |
| Hillsborough County | 43 | 20 | 6 | 14.0% |
| Pinellas County | 40 | 22 | 3 | 7.5% |
| Palm Beach County | 33 | 18 | 8 | 24.2% |
| Brevard County | 31 | 23 | 1 | 3.2% |
| Miami-Dade County | 30 | 8 | 9 | 30.0% |
| Lee County | 28 | 11 | 7 | 25.0% |
| Duval County | 27 | 16 | 4 | 14.8% |
| St. Johns County | 26 | 13 | 5 | 19.2% |
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: 719 applications in 2025, of which 383 were originated and 97 denied.
13.5% of all applications, or 19.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans NBKC Bank originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are NBKC Bank'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