Republic Bank & Trust in Florida vs the state
10.6%Denial rate-10.49 pts vs state
18.0%Decision denial rate-9.22 pts vs state
46.9%Origination rate-5.81 pts vs state
5.99%Median rate-0.63 pts vs state
-0.69Rate spread (pts)-0.96 pts vs state
$100kMedian applicant income
315Loans originated
71Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 845 | 389 | 6.9% | 4.99% | #171 |
| 2024 | 584 | 269 | 17.6% | 6.99% | #219 |
| 2025 | 672 | 315 | 10.6% | 5.99% | #202 |
What Republic Bank & Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Republic Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 261 | 135 | 31 | 11.9% |
| Hillsborough County | 219 | 103 | 23 | 10.5% |
| Pasco County | 104 | 47 | 9 | 8.7% |
| Hernando County | 22 | 5 | 4 | 18.2% |
| Miami-Dade County | 13 | 7 | 1 | 7.7% |
| Polk County | 11 | 2 | 0 | 0.0% |
| Collier County | 4 | 3 | 0 | 0.0% |
| Manatee County | 4 | 2 | 0 | 0.0% |
| Charlotte County | 3 | 1 | 0 | 0.0% |
| Lee County | 3 | 0 | 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: 672 applications in 2025, of which 315 were originated and 71 denied.
10.6% of all applications, or 18.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Republic Bank & Trust originated in Florida in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Republic Bank & Trust'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