Neighborhood Loans in Florida vs the state
56.1%Denial rate+35.05 pts vs state
72.7%Decision denial rate+45.42 pts vs state
20.3%Origination rate-32.41 pts vs state
7.88%Median rate+1.25 pts vs state
-6.65Rate spread (pts)-6.92 pts vs state
$82kMedian applicant income
73Loans originated
202Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 72 | 37.6% | 6.63% | #440 |
| 2024 | 130 | 73 | 30.0% | 6.99% | #443 |
| 2025 | 360 | 73 | 56.1% | 7.88% | #283 |
What Neighborhood Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 183 | 44 | 95 | 51.9% |
| Hillsborough County | 21 | 6 | 9 | 42.9% |
| Pasco County | 14 | 5 | 7 | 50.0% |
| Lee County | 13 | 0 | 10 | 76.9% |
| Marion County | 12 | 4 | 5 | 41.7% |
| Manatee County | 12 | 0 | 6 | 50.0% |
| Orange County | 10 | 1 | 7 | 70.0% |
| Citrus County | 10 | 3 | 5 | 50.0% |
| Highlands County | 9 | 2 | 5 | 55.6% |
| Hernando County | 8 | 1 | 5 | 62.5% |
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: 360 applications in 2025, of which 73 were originated and 202 denied.
56.1% of all applications, or 72.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Neighborhood Loans originated in Florida in 2025 was 7.88%, against a statewide median of 6.63%.
About this data. Figures are Neighborhood Loans'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