Shelter Home Mortgage in Florida vs the state
16.7%Denial rate-4.39 pts vs state
16.7%Decision denial rate-10.57 pts vs state
83.3%Origination rate+30.64 pts vs state
6.50%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.14 pts vs state
$238kMedian applicant income
5Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 26 | 7.1% | 6.38% | #667 |
| 2025 | 6 | 5 | 16.7% | 6.50% | #1,060 |
What Shelter Home Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Shelter Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clay County | 1 | 1 | 0 | 0.0% |
| Okaloosa County | 1 | 1 | 0 | 0.0% |
| Nassau County | 1 | 1 | 0 | 0.0% |
| Flagler County | 1 | 1 | 0 | 0.0% |
| Alachua County | 1 | 1 | 0 | 0.0% |
| St. Johns County | 1 | 0 | 1 | 100.0% |
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: 6 applications in 2025, of which 5 were originated and 1 denied.
16.7% of all applications, or 16.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Shelter Home Mortgage originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Shelter Home 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