Premium Mortgage in Florida vs the state
9.6%Denial rate-11.44 pts vs state
11.9%Decision denial rate-15.34 pts vs state
71.2%Origination rate+18.46 pts vs state
6.75%Median rate+0.13 pts vs state
0.22Rate spread (pts)-0.05 pts vs state
$116kMedian applicant income
74Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 118 | 10.5% | 6.63% | #408 |
| 2024 | 117 | 82 | 8.6% | 6.81% | #460 |
| 2025 | 104 | 74 | 9.6% | 6.75% | #477 |
What Premium Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Premium Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charlotte County | 30 | 21 | 3 | 10.0% |
| Lee County | 20 | 16 | 1 | 5.0% |
| Sarasota County | 10 | 4 | 1 | 10.0% |
| Manatee County | 9 | 8 | 1 | 11.1% |
| Hillsborough County | 5 | 2 | 1 | 20.0% |
| Pasco County | 4 | 3 | 1 | 25.0% |
| Pinellas County | 4 | 3 | 1 | 25.0% |
| Lake County | 3 | 3 | 0 | 0.0% |
| Polk County | 2 | 2 | 0 | 0.0% |
| Broward County | 2 | 1 | 1 | 50.0% |
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: 104 applications in 2025, of which 74 were originated and 10 denied.
9.6% of all applications, or 11.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Premium Mortgage originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Premium 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