Neal Communities Funding in Florida vs the state
8.0%Denial rate-13.05 pts vs state
9.2%Decision denial rate-18.02 pts vs state
78.9%Origination rate+26.18 pts vs state
6.12%Median rate-0.50 pts vs state
-0.34Rate spread (pts)-0.61 pts vs state
$145kMedian applicant income
433Loans originated
44Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 620 | 448 | 3.9% | 6.88% | #204 |
| 2024 | 565 | 453 | 5.3% | 6.88% | #224 |
| 2025 | 549 | 433 | 8.0% | 6.12% | #230 |
What Neal Communities Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Neal Communities Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 255 | 210 | 19 | 7.5% |
| Manatee County | 223 | 181 | 17 | 7.6% |
| Collier County | 57 | 31 | 7 | 12.3% |
| Lee County | 10 | 8 | 1 | 10.0% |
| Charlotte County | 4 | 3 | 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: 549 applications in 2025, of which 433 were originated and 44 denied.
8.0% of all applications, or 9.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Neal Communities Funding originated in Florida in 2025 was 6.12%, against a statewide median of 6.63%.
About this data. Figures are Neal Communities Funding'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