Polaris Home Funding in Florida vs the state
6.3%Denial rate-14.81 pts vs state
10.0%Decision denial rate-17.24 pts vs state
56.3%Origination rate+3.56 pts vs state
6.75%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.24 pts vs state
$96kMedian applicant income
9Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 16 | 25.0% | 6.75% | #677 |
| 2024 | 21 | 9 | 28.6% | 6.25% | #758 |
| 2025 | 16 | 9 | 6.3% | 6.75% | #801 |
What Polaris Home Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charlotte County | 5 | 4 | 1 | 20.0% |
| Palm Beach County | 2 | 1 | 0 | 0.0% |
| Pinellas County | 2 | 1 | 0 | 0.0% |
| Orange County | 1 | 0 | 0 | 0.0% |
| Collier County | 1 | 1 | 0 | 0.0% |
| Broward County | 1 | 1 | 0 | 0.0% |
| Sarasota County | 1 | 0 | 0 | 0.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
| Duval County | 1 | 0 | 0 | 0.0% |
| Martin County | 1 | 0 | 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: 16 applications in 2025, of which 9 were originated and 1 denied.
6.3% of all applications, or 10.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Polaris Home Funding originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Polaris Home 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