Resicentral in Florida vs the state
5.3%Denial rate-15.76 pts vs state
6.9%Decision denial rate-20.31 pts vs state
67.6%Origination rate+14.94 pts vs state
6.38%Median rate-0.25 pts vs state
0.18Rate spread (pts)-0.09 pts vs state
$131kMedian applicant income
702Loans originated
55Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 284 | 143 | 9.2% | 6.75% | #324 |
| 2024 | 555 | 329 | 6.9% | 6.63% | #228 |
| 2025 | 1,038 | 702 | 5.3% | 6.38% | #150 |
What Resicentral lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 114 | 78 | 2 | 1.8% |
| Broward County | 104 | 70 | 5 | 4.8% |
| Pinellas County | 80 | 50 | 3 | 3.8% |
| Orange County | 70 | 48 | 5 | 7.1% |
| Palm Beach County | 66 | 45 | 5 | 7.6% |
| Miami-Dade County | 57 | 36 | 4 | 7.0% |
| Duval County | 48 | 36 | 2 | 4.2% |
| Polk County | 42 | 30 | 2 | 4.8% |
| Seminole County | 39 | 28 | 1 | 2.6% |
| Lee County | 38 | 27 | 1 | 2.6% |
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: 1,038 applications in 2025, of which 702 were originated and 55 denied.
5.3% of all applications, or 6.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Resicentral originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Resicentral'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