Tomo Mortgage in Florida vs the state
6.6%Denial rate-14.49 pts vs state
13.3%Decision denial rate-13.98 pts vs state
42.6%Origination rate-10.13 pts vs state
6.13%Median rate-0.50 pts vs state
-0.21Rate spread (pts)-0.47 pts vs state
$156kMedian applicant income
369Loans originated
57Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 74 | 46 | 5.4% | 7.13% | #542 |
| 2024 | 203 | 80 | 6.4% | 6.50% | #377 |
| 2025 | 867 | 369 | 6.6% | 6.13% | #168 |
What Tomo Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 77 | 28 | 4 | 5.2% |
| Hillsborough County | 74 | 35 | 2 | 2.7% |
| Pinellas County | 54 | 20 | 6 | 11.1% |
| Broward County | 51 | 19 | 3 | 5.9% |
| Palm Beach County | 50 | 23 | 5 | 10.0% |
| Miami-Dade County | 42 | 11 | 6 | 14.3% |
| Pasco County | 38 | 16 | 3 | 7.9% |
| Lee County | 35 | 15 | 3 | 8.6% |
| Duval County | 31 | 11 | 3 | 9.7% |
| Volusia County | 29 | 10 | 2 | 6.9% |
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: 867 applications in 2025, of which 369 were originated and 57 denied.
6.6% of all applications, or 13.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Tomo Mortgage originated in Florida in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Tomo 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