Oaktree Funding in Florida vs the state
5.5%Denial rate-15.53 pts vs state
6.1%Decision denial rate-21.19 pts vs state
46.6%Origination rate-6.11 pts vs state
7.75%Median rate+1.13 pts vs state
1.48Rate spread (pts)+1.21 pts vs state
$297kMedian applicant income
177Loans originated
21Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 414 | 119 | 12.1% | 8.50% | #259 |
| 2024 | 497 | 165 | 5.8% | 8.25% | #243 |
| 2025 | 380 | 177 | 5.5% | 7.75% | #279 |
What Oaktree Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Oaktree Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 81 | 30 | 3 | 3.7% |
| Broward County | 49 | 23 | 3 | 6.1% |
| Palm Beach County | 45 | 16 | 2 | 4.4% |
| Hillsborough County | 22 | 7 | 3 | 13.6% |
| Lee County | 18 | 14 | 0 | 0.0% |
| Orange County | 15 | 7 | 1 | 6.7% |
| Brevard County | 12 | 5 | 0 | 0.0% |
| Pinellas County | 11 | 5 | 0 | 0.0% |
| Duval County | 11 | 8 | 0 | 0.0% |
| Manatee County | 9 | 4 | 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: 380 applications in 2025, of which 177 were originated and 21 denied.
5.5% of all applications, or 6.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Oaktree Funding originated in Florida in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Oaktree 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