The Federal Savings Bank in Florida vs the state
12.3%Denial rate-8.78 pts vs state
24.2%Decision denial rate-3.03 pts vs state
37.2%Origination rate-15.48 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)+0.06 pts vs state
$101kMedian applicant income
397Loans originated
131Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,498 | 569 | 10.8% | 6.63% | #107 |
| 2024 | 1,092 | 391 | 9.8% | 6.63% | #144 |
| 2025 | 1,067 | 397 | 12.3% | 6.63% | #147 |
What The Federal Savings Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 125 | 56 | 12 | 9.6% |
| Miami-Dade County | 92 | 35 | 16 | 17.4% |
| Hillsborough County | 65 | 26 | 9 | 13.8% |
| Palm Beach County | 52 | 18 | 7 | 13.5% |
| Polk County | 48 | 16 | 9 | 18.8% |
| Marion County | 42 | 13 | 12 | 28.6% |
| Duval County | 42 | 13 | 9 | 21.4% |
| Lee County | 39 | 16 | 5 | 12.8% |
| Orange County | 37 | 19 | 1 | 2.7% |
| Osceola County | 32 | 16 | 1 | 3.1% |
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: 1,067 applications in 2025, of which 397 were originated and 131 denied.
12.3% of all applications, or 24.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans The Federal Savings Bank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The Federal Savings 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