Primary Residential Mortgage in Florida vs the state
7.1%Denial rate-13.95 pts vs state
9.2%Decision denial rate-18.04 pts vs state
70.1%Origination rate+17.43 pts vs state
6.63%Median rate0.00 pts vs state
0.48Rate spread (pts)+0.21 pts vs state
$101kMedian applicant income
582Loans originated
59Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,435 | 872 | 7.9% | 6.88% | #113 |
| 2024 | 1,147 | 682 | 9.3% | 6.75% | #131 |
| 2025 | 830 | 582 | 7.1% | 6.63% | #173 |
What Primary Residential Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 84 | 68 | 5 | 6.0% |
| Brevard County | 74 | 52 | 1 | 1.4% |
| Miami-Dade County | 72 | 53 | 3 | 4.2% |
| Broward County | 56 | 43 | 4 | 7.1% |
| Escambia County | 54 | 43 | 4 | 7.4% |
| Collier County | 52 | 42 | 1 | 1.9% |
| Lee County | 47 | 35 | 1 | 2.1% |
| Santa Rosa County | 46 | 36 | 0 | 0.0% |
| St. Lucie County | 33 | 18 | 4 | 12.1% |
| Pinellas County | 25 | 18 | 3 | 12.0% |
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: 830 applications in 2025, of which 582 were originated and 59 denied.
7.1% of all applications, or 9.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Primary Residential Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Primary Residential 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