NVR Mortgage Finance in Florida vs the state
24.7%Denial rate+3.65 pts vs state
27.1%Decision denial rate-0.15 pts vs state
66.5%Origination rate+13.81 pts vs state
5.99%Median rate-0.63 pts vs state
-0.32Rate spread (pts)-0.58 pts vs state
$104kMedian applicant income
1,211Loans originated
450Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,027 | 1,433 | 19.3% | 5.75% | #84 |
| 2024 | 2,250 | 1,583 | 20.0% | 6.25% | #81 |
| 2025 | 1,821 | 1,211 | 24.7% | 5.99% | #100 |
What NVR Mortgage Finance lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 225 | 155 | 61 | 27.1% |
| Manatee County | 222 | 148 | 54 | 24.3% |
| Lake County | 184 | 116 | 43 | 23.4% |
| Volusia County | 153 | 107 | 29 | 19.0% |
| St. Johns County | 111 | 89 | 15 | 13.5% |
| Hillsborough County | 93 | 49 | 38 | 40.9% |
| Orange County | 92 | 65 | 25 | 27.2% |
| Pasco County | 82 | 61 | 15 | 18.3% |
| Indian River County | 80 | 62 | 8 | 10.0% |
| Sumter County | 74 | 48 | 21 | 28.4% |
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: 1,821 applications in 2025, of which 1,211 were originated and 450 denied.
24.7% of all applications, or 27.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans NVR Mortgage Finance originated in Florida in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are NVR Mortgage Finance'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