South River Mortgage in Florida vs the state
1.9%Denial rate-19.14 pts vs state
5.5%Decision denial rate-21.71 pts vs state
32.8%Origination rate-19.94 pts vs state
8.99%Median rate+2.37 pts vs state
—Rate spread (pts)
$25kMedian applicant income
188Loans originated
11Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 24 | 20.0% | 9.68% | #671 |
| 2024 | 101 | 100 | 0.0% | 6.59% | #477 |
| 2025 | 574 | 188 | 1.9% | 8.99% | #227 |
What South River Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most South River Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 80 | 26 | 1 | 1.3% |
| Broward County | 59 | 14 | 2 | 3.4% |
| Palm Beach County | 52 | 18 | 3 | 5.8% |
| Pinellas County | 25 | 5 | 0 | 0.0% |
| Hillsborough County | 25 | 14 | 0 | 0.0% |
| Pasco County | 21 | 8 | 1 | 4.8% |
| Orange County | 20 | 6 | 1 | 5.0% |
| Duval County | 20 | 10 | 0 | 0.0% |
| Volusia County | 19 | 5 | 0 | 0.0% |
| Sarasota County | 17 | 4 | 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: 574 applications in 2025, of which 188 were originated and 11 denied.
1.9% of all applications, or 5.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans South River Mortgage originated in Florida in 2025 was 8.99%, against a statewide median of 6.63%.
About this data. Figures are South River 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