Total Mortgage Services in Florida vs the state
3.8%Denial rate-17.29 pts vs state
4.6%Decision denial rate-22.61 pts vs state
75.9%Origination rate+23.16 pts vs state
6.99%Median rate+0.37 pts vs state
0.58Rate spread (pts)+0.31 pts vs state
$145kMedian applicant income
201Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 313 | 197 | 6.4% | 6.88% | #304 |
| 2024 | 333 | 224 | 5.4% | 6.99% | #298 |
| 2025 | 265 | 201 | 3.8% | 6.99% | #328 |
What Total Mortgage Services lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 47 | 30 | 2 | 4.3% |
| Indian River County | 38 | 30 | 1 | 2.6% |
| Brevard County | 26 | 21 | 1 | 3.8% |
| Broward County | 16 | 11 | 2 | 12.5% |
| Lee County | 16 | 13 | 0 | 0.0% |
| St. Lucie County | 13 | 8 | 2 | 15.4% |
| Martin County | 12 | 8 | 1 | 8.3% |
| Pinellas County | 10 | 7 | 0 | 0.0% |
| Collier County | 9 | 9 | 0 | 0.0% |
| Hillsborough County | 9 | 8 | 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: 265 applications in 2025, of which 201 were originated and 10 denied.
3.8% of all applications, or 4.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Total Mortgage Services originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Total Mortgage Services'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