Residential Mortgage in Florida vs the state
6.7%Denial rate-14.39 pts vs state
7.7%Decision denial rate-19.55 pts vs state
80.0%Origination rate+27.31 pts vs state
6.63%Median rate0.00 pts vs state
0.40Rate spread (pts)+0.13 pts vs state
$345kMedian applicant income
12Loans originated
1Denied
What Residential Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brevard County | 3 | 1 | 0 | 0.0% |
| St. Johns County | 2 | 2 | 0 | 0.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
| Walton County | 1 | 1 | 0 | 0.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Okaloosa County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Manatee County | 1 | 0 | 1 | 100.0% |
| Pasco County | 1 | 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: 15 applications in 2025, of which 12 were originated and 1 denied.
6.7% of all applications, or 7.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Residential Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are 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