Police & Fire in Florida vs the state
31.6%Denial rate+10.56 pts vs state
43.4%Decision denial rate+16.19 pts vs state
41.2%Origination rate-11.51 pts vs state
6.31%Median rate-0.31 pts vs state
-0.09Rate spread (pts)-0.36 pts vs state
$109kMedian applicant income
56Loans originated
43Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 109 | 46 | 33.9% | 6.24% | #471 |
| 2024 | 106 | 46 | 36.8% | 6.74% | #473 |
| 2025 | 136 | 56 | 31.6% | 6.31% | #434 |
What Police & Fire lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Police & Fire applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 17 | 6 | 8 | 47.1% |
| Palm Beach County | 12 | 5 | 4 | 33.3% |
| Manatee County | 11 | 5 | 1 | 9.1% |
| Seminole County | 8 | 3 | 1 | 12.5% |
| Polk County | 8 | 2 | 2 | 25.0% |
| Pinellas County | 7 | 3 | 0 | 0.0% |
| Indian River County | 6 | 3 | 1 | 16.7% |
| Broward County | 6 | 1 | 3 | 50.0% |
| Volusia County | 6 | 2 | 3 | 50.0% |
| Brevard County | 5 | 3 | 1 | 20.0% |
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: 136 applications in 2025, of which 56 were originated and 43 denied.
31.6% of all applications, or 43.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Police & Fire originated in Florida in 2025 was 6.31%, against a statewide median of 6.63%.
About this data. Figures are Police & Fire'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