North American Savings Bank in Florida vs the state
16.2%Denial rate-4.84 pts vs state
20.3%Decision denial rate-6.90 pts vs state
62.2%Origination rate+9.47 pts vs state
7.00%Median rate+0.38 pts vs state
0.42Rate spread (pts)+0.16 pts vs state
$167kMedian applicant income
46Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 119 | 16.4% | 7.63% | #388 |
| 2024 | 112 | 66 | 11.6% | 7.31% | #465 |
| 2025 | 74 | 46 | 16.2% | 7.00% | #537 |
What North American Savings Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 9 | 6 | 2 | 22.2% |
| Pinellas County | 7 | 6 | 0 | 0.0% |
| Manatee County | 7 | 5 | 1 | 14.3% |
| St. Johns County | 5 | 3 | 1 | 20.0% |
| Broward County | 5 | 3 | 0 | 0.0% |
| Brevard County | 4 | 3 | 0 | 0.0% |
| Duval County | 3 | 2 | 0 | 0.0% |
| Palm Beach County | 3 | 1 | 1 | 33.3% |
| Miami-Dade County | 3 | 1 | 1 | 33.3% |
| Sarasota County | 3 | 2 | 1 | 33.3% |
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: 74 applications in 2025, of which 46 were originated and 12 denied.
16.2% of all applications, or 20.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans North American Savings Bank originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are North American Savings 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