Right Start Mortgage in Florida vs the state
7.0%Denial rate-14.09 pts vs state
9.0%Decision denial rate-18.23 pts vs state
70.0%Origination rate+17.34 pts vs state
6.75%Median rate+0.13 pts vs state
0.74Rate spread (pts)+0.47 pts vs state
$116kMedian applicant income
201Loans originated
20Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 447 | 331 | 2.9% | 6.99% | #256 |
| 2025 | 287 | 201 | 7.0% | 6.75% | #313 |
What Right Start Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Right Start Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 97 | 67 | 7 | 7.2% |
| Duval County | 40 | 27 | 3 | 7.5% |
| Broward County | 36 | 26 | 1 | 2.8% |
| Palm Beach County | 21 | 15 | 4 | 19.0% |
| St. Johns County | 21 | 16 | 0 | 0.0% |
| Lee County | 7 | 6 | 0 | 0.0% |
| St. Lucie County | 7 | 6 | 1 | 14.3% |
| Santa Rosa County | 6 | 5 | 0 | 0.0% |
| Osceola County | 5 | 2 | 2 | 40.0% |
| DeSoto County | 5 | 3 | 2 | 40.0% |
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: 287 applications in 2025, of which 201 were originated and 20 denied.
7.0% of all applications, or 9.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Right Start Mortgage originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Right Start 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