The Dart Bank in Florida vs the state
10.1%Denial rate-10.98 pts vs state
11.7%Decision denial rate-15.59 pts vs state
68.1%Origination rate+15.38 pts vs state
6.38%Median rate-0.25 pts vs state
0.15Rate spread (pts)-0.12 pts vs state
$150kMedian applicant income
81Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 32 | 0.0% | 6.93% | #675 |
| 2024 | 70 | 46 | 5.7% | 6.75% | #544 |
| 2025 | 119 | 81 | 10.1% | 6.38% | #455 |
What The Dart Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most The Dart Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 13 | 12 | 1 | 7.7% |
| Broward County | 11 | 7 | 1 | 9.1% |
| Manatee County | 9 | 7 | 1 | 11.1% |
| Orange County | 8 | 6 | 0 | 0.0% |
| Brevard County | 7 | 6 | 0 | 0.0% |
| Charlotte County | 7 | 5 | 1 | 14.3% |
| Palm Beach County | 7 | 3 | 1 | 14.3% |
| Miami-Dade County | 7 | 5 | 1 | 14.3% |
| Marion County | 5 | 4 | 0 | 0.0% |
| Flagler County | 5 | 2 | 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: 119 applications in 2025, of which 81 were originated and 12 denied.
10.1% of all applications, or 11.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans The Dart Bank originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are The Dart 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