Troy Bank and Trust in Florida vs the state
0.0%Denial rate-21.06 pts vs state
0.0%Decision denial rate-27.24 pts vs state
92.3%Origination rate+39.62 pts vs state
7.49%Median rate+0.86 pts vs state
0.74Rate spread (pts)+0.47 pts vs state
$429kMedian applicant income
12Loans originated
0Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 10 | 0.0% | 8.50% | #958 |
| 2024 | 9 | 9 | 0.0% | 8.00% | #956 |
| 2025 | 13 | 12 | 0.0% | 7.49% | #864 |
What Troy Bank and Trust lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most Troy Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bay County | 5 | 5 | 0 | 0.0% |
| Okaloosa County | 3 | 2 | 0 | 0.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
| Gulf County | 1 | 1 | 0 | 0.0% |
| Broward County | 1 | 1 | 0 | 0.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Holmes County | 1 | 1 | 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: 13 applications in 2025, of which 12 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Troy Bank and Trust originated in Florida in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Troy Bank and Trust'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