Point Mortgage in Florida vs the state
3.5%Denial rate-17.60 pts vs state
4.1%Decision denial rate-23.11 pts vs state
72.3%Origination rate+19.57 pts vs state
6.99%Median rate+0.37 pts vs state
0.92Rate spread (pts)+0.65 pts vs state
$110kMedian applicant income
711Loans originated
34Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 380 | 222 | 4.7% | 7.00% | #275 |
| 2024 | 455 | 283 | 4.8% | 6.88% | #252 |
| 2025 | 984 | 711 | 3.5% | 6.99% | #154 |
What Point Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 241 | 144 | 6 | 2.5% |
| Hillsborough County | 167 | 141 | 5 | 3.0% |
| Broward County | 141 | 91 | 13 | 9.2% |
| Pasco County | 86 | 74 | 3 | 3.5% |
| Lee County | 80 | 53 | 0 | 0.0% |
| Bay County | 39 | 34 | 0 | 0.0% |
| Orange County | 37 | 26 | 1 | 2.7% |
| Palm Beach County | 33 | 22 | 2 | 6.1% |
| Hernando County | 29 | 25 | 0 | 0.0% |
| Pinellas County | 27 | 17 | 1 | 3.7% |
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: 984 applications in 2025, of which 711 were originated and 34 denied.
3.5% of all applications, or 4.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Point Mortgage originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Point Mortgage'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