Real Genius in Florida vs the state
9.6%Denial rate-11.47 pts vs state
21.9%Decision denial rate-5.36 pts vs state
34.3%Origination rate-18.44 pts vs state
5.88%Median rate-0.75 pts vs state
-0.13Rate spread (pts)-0.40 pts vs state
$172kMedian applicant income
25Loans originated
7Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 30 | 35.0% | 6.50% | #482 |
| 2025 | 73 | 25 | 9.6% | 5.88% | #544 |
What Real Genius lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Real Genius applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 14 | 6 | 2 | 14.3% |
| Palm Beach County | 10 | 5 | 1 | 10.0% |
| Pinellas County | 6 | 0 | 0 | 0.0% |
| Miami-Dade County | 5 | 1 | 1 | 20.0% |
| Broward County | 5 | 1 | 0 | 0.0% |
| Pasco County | 5 | 2 | 0 | 0.0% |
| Lee County | 4 | 2 | 0 | 0.0% |
| Lake County | 3 | 0 | 1 | 33.3% |
| Polk County | 3 | 1 | 0 | 0.0% |
| Hillsborough County | 2 | 1 | 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: 73 applications in 2025, of which 25 were originated and 7 denied.
9.6% of all applications, or 21.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Real Genius originated in Florida in 2025 was 5.88%, against a statewide median of 6.63%.
About this data. Figures are Real Genius'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