PFN Lending Group in Florida vs the state
14.3%Denial rate-6.77 pts vs state
19.1%Decision denial rate-8.13 pts vs state
60.1%Origination rate+7.44 pts vs state
6.25%Median rate-0.38 pts vs state
0.32Rate spread (pts)+0.05 pts vs state
$116kMedian applicant income
181Loans originated
43Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 238 | 119 | 8.4% | 6.88% | #353 |
| 2024 | 331 | 163 | 23.9% | 6.50% | #300 |
| 2025 | 301 | 181 | 14.3% | 6.25% | #306 |
What PFN Lending Group lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most PFN Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Osceola County | 56 | 45 | 3 | 5.4% |
| Polk County | 54 | 44 | 1 | 1.9% |
| Orange County | 47 | 29 | 10 | 21.3% |
| Volusia County | 19 | 13 | 0 | 0.0% |
| Lake County | 18 | 12 | 3 | 16.7% |
| Miami-Dade County | 16 | 5 | 6 | 37.5% |
| Broward County | 15 | 6 | 5 | 33.3% |
| Palm Beach County | 7 | 3 | 1 | 14.3% |
| Brevard County | 6 | 4 | 1 | 16.7% |
| Seminole County | 6 | 2 | 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: 301 applications in 2025, of which 181 were originated and 43 denied.
14.3% of all applications, or 19.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans PFN Lending Group originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are PFN Lending Group'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