TD Bank in Florida vs the state
34.5%Denial rate+13.42 pts vs state
44.8%Decision denial rate+17.53 pts vs state
42.0%Origination rate-10.73 pts vs state
7.50%Median rate+0.88 pts vs state
0.45Rate spread (pts)+0.18 pts vs state
$125kMedian applicant income
2,722Loans originated
2,237Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9,223 | 3,978 | 39.4% | 8.09% | #22 |
| 2024 | 7,657 | 3,261 | 35.5% | 8.49% | #28 |
| 2025 | 6,487 | 2,722 | 34.5% | 7.50% | #35 |
What TD Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most TD Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 1,247 | 439 | 511 | 41.0% |
| Palm Beach County | 1,057 | 461 | 344 | 32.5% |
| Broward County | 919 | 336 | 394 | 42.9% |
| Orange County | 293 | 121 | 87 | 29.7% |
| Hillsborough County | 240 | 115 | 77 | 32.1% |
| Volusia County | 225 | 102 | 69 | 30.7% |
| Brevard County | 217 | 99 | 55 | 25.3% |
| St. Lucie County | 216 | 86 | 76 | 35.2% |
| Pinellas County | 197 | 77 | 69 | 35.0% |
| Lee County | 140 | 67 | 35 | 25.0% |
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: 6,487 applications in 2025, of which 2,722 were originated and 2,237 denied.
34.5% of all applications, or 44.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans TD Bank originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are TD Bank'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