Traditional Mortgage Acceptance in Florida vs the state
19.9%Denial rate-1.19 pts vs state
23.5%Decision denial rate-3.76 pts vs state
62.8%Origination rate+10.13 pts vs state
6.00%Median rate-0.63 pts vs state
—Rate spread (pts)
$29kMedian applicant income
98Loans originated
31Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 119 | 79 | 18.5% | 7.48% | #449 |
| 2024 | 228 | 167 | 12.7% | 6.63% | #357 |
| 2025 | 156 | 98 | 19.9% | 6.00% | #412 |
What Traditional Mortgage Acceptance lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 24 | 12 | 6 | 25.0% |
| Pinellas County | 13 | 8 | 2 | 15.4% |
| Broward County | 12 | 7 | 4 | 33.3% |
| Pasco County | 9 | 5 | 1 | 11.1% |
| Duval County | 6 | 4 | 0 | 0.0% |
| Palm Beach County | 6 | 2 | 4 | 66.7% |
| Orange County | 6 | 2 | 4 | 66.7% |
| Brevard County | 5 | 3 | 1 | 20.0% |
| Sarasota County | 5 | 3 | 2 | 40.0% |
| Citrus County | 5 | 3 | 1 | 20.0% |
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: 156 applications in 2025, of which 98 were originated and 31 denied.
19.9% of all applications, or 23.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Traditional Mortgage Acceptance originated in Florida in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are Traditional Mortgage Acceptance'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