OCMBC in Florida vs the state
14.8%Denial rate-6.30 pts vs state
19.8%Decision denial rate-7.43 pts vs state
49.0%Origination rate-3.71 pts vs state
7.13%Median rate+0.50 pts vs state
1.17Rate spread (pts)+0.91 pts vs state
$138kMedian applicant income
1,580Loans originated
476Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,946 | 889 | 26.6% | 8.13% | #89 |
| 2024 | 2,581 | 1,224 | 20.4% | 7.63% | #73 |
| 2025 | 3,226 | 1,580 | 14.8% | 7.13% | #62 |
What OCMBC lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 601 | 300 | 100 | 16.6% |
| Broward County | 411 | 171 | 65 | 15.8% |
| Palm Beach County | 218 | 98 | 31 | 14.2% |
| Orange County | 213 | 108 | 29 | 13.6% |
| Lee County | 198 | 114 | 25 | 12.6% |
| Hillsborough County | 168 | 88 | 20 | 11.9% |
| Polk County | 158 | 80 | 29 | 18.4% |
| Osceola County | 118 | 61 | 11 | 9.3% |
| Duval County | 117 | 58 | 8 | 6.8% |
| Pinellas County | 104 | 43 | 17 | 16.3% |
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: 3,226 applications in 2025, of which 1,580 were originated and 476 denied.
14.8% of all applications, or 19.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans OCMBC originated in Florida in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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