Plains Commerce Bank in Florida vs the state
10.9%Denial rate-10.21 pts vs state
15.6%Decision denial rate-11.69 pts vs state
58.9%Origination rate+6.18 pts vs state
6.50%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.02 pts vs state
$98kMedian applicant income
1,839Loans originated
339Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,349 | 1,971 | 2.4% | 6.63% | #59 |
| 2024 | 3,908 | 2,182 | 3.9% | 6.63% | #52 |
| 2025 | 3,124 | 1,839 | 10.9% | 6.50% | #65 |
What Plains Commerce Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Plains Commerce Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 334 | 214 | 33 | 9.9% |
| Orange County | 257 | 167 | 22 | 8.6% |
| Broward County | 247 | 117 | 39 | 15.8% |
| Miami-Dade County | 246 | 123 | 38 | 15.4% |
| Volusia County | 176 | 115 | 13 | 7.4% |
| Brevard County | 173 | 110 | 4 | 2.3% |
| Palm Beach County | 158 | 80 | 24 | 15.2% |
| Duval County | 153 | 91 | 13 | 8.5% |
| Hillsborough County | 150 | 67 | 25 | 16.7% |
| Lee County | 118 | 52 | 21 | 17.8% |
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: 3,124 applications in 2025, of which 1,839 were originated and 339 denied.
10.9% of all applications, or 15.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Plains Commerce Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Plains Commerce 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