Reliance First Capital in Florida vs the state
8.1%Denial rate-12.93 pts vs state
10.0%Decision denial rate-17.29 pts vs state
72.0%Origination rate+19.26 pts vs state
6.63%Median rate0.00 pts vs state
0.62Rate spread (pts)+0.35 pts vs state
$76kMedian applicant income
177Loans originated
20Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 258 | 197 | 5.8% | 6.50% | #342 |
| 2024 | 195 | 149 | 3.1% | 6.63% | #382 |
| 2025 | 246 | 177 | 8.1% | 6.63% | #342 |
What Reliance First Capital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 17 | 12 | 1 | 5.9% |
| Hernando County | 16 | 9 | 2 | 12.5% |
| Sarasota County | 15 | 12 | 1 | 6.7% |
| Palm Beach County | 13 | 8 | 2 | 15.4% |
| Polk County | 12 | 11 | 0 | 0.0% |
| Duval County | 11 | 8 | 0 | 0.0% |
| Broward County | 10 | 8 | 2 | 20.0% |
| Brevard County | 10 | 7 | 1 | 10.0% |
| Hillsborough County | 10 | 7 | 2 | 20.0% |
| Volusia County | 10 | 4 | 1 | 10.0% |
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: 246 applications in 2025, of which 177 were originated and 20 denied.
8.1% 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 Reliance First Capital originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Reliance First Capital'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