Royal United Mortgage in Florida vs the state
30.3%Denial rate+9.23 pts vs state
35.9%Decision denial rate+8.69 pts vs state
52.3%Origination rate-0.40 pts vs state
6.63%Median rate0.00 pts vs state
0.78Rate spread (pts)+0.52 pts vs state
$47kMedian applicant income
183Loans originated
106Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 690 | 390 | 28.4% | 6.63% | #194 |
| 2024 | 534 | 306 | 23.8% | 6.88% | #234 |
| 2025 | 350 | 183 | 30.3% | 6.63% | #288 |
What Royal United Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Volusia County | 19 | 13 | 4 | 21.1% |
| Broward County | 18 | 8 | 6 | 33.3% |
| Hillsborough County | 18 | 7 | 9 | 50.0% |
| Lee County | 17 | 8 | 2 | 11.8% |
| Polk County | 17 | 11 | 3 | 17.6% |
| Duval County | 17 | 12 | 5 | 29.4% |
| Marion County | 15 | 7 | 4 | 26.7% |
| Pinellas County | 15 | 9 | 4 | 26.7% |
| Pasco County | 14 | 4 | 8 | 57.1% |
| Brevard County | 14 | 8 | 5 | 35.7% |
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: 350 applications in 2025, of which 183 were originated and 106 denied.
30.3% of all applications, or 35.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Royal United Mortgage originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Royal United 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