Sierra Pacific Mortgage Company in Florida vs the state
17.5%Denial rate-3.54 pts vs state
22.2%Decision denial rate-5.09 pts vs state
58.0%Origination rate+5.30 pts vs state
6.88%Median rate+0.25 pts vs state
0.56Rate spread (pts)+0.29 pts vs state
$96kMedian applicant income
341Loans originated
103Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,492 | 1,062 | 19.8% | 6.63% | #109 |
| 2024 | 726 | 460 | 20.0% | 6.63% | #189 |
| 2025 | 588 | 341 | 17.5% | 6.88% | #223 |
What Sierra Pacific Mortgage Company lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 80 | 48 | 17 | 21.3% |
| Broward County | 56 | 27 | 15 | 26.8% |
| Miami-Dade County | 55 | 20 | 19 | 34.5% |
| Orange County | 39 | 18 | 6 | 15.4% |
| Hillsborough County | 37 | 22 | 6 | 16.2% |
| Pinellas County | 34 | 21 | 7 | 20.6% |
| St. Lucie County | 26 | 16 | 5 | 19.2% |
| Volusia County | 18 | 9 | 4 | 22.2% |
| Pasco County | 18 | 14 | 1 | 5.6% |
| Marion County | 18 | 14 | 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: 588 applications in 2025, of which 341 were originated and 103 denied.
17.5% of all applications, or 22.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Sierra Pacific Mortgage Company originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Sierra Pacific Mortgage Company'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