Village Capital & Investment in Florida vs the state
22.1%Denial rate+1.01 pts vs state
29.2%Decision denial rate+2.00 pts vs state
29.0%Origination rate-23.67 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$84kMedian applicant income
935Loans originated
711Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,750 | 388 | 18.1% | 6.25% | #93 |
| 2024 | 3,516 | 1,070 | 14.1% | 5.75% | #57 |
| 2025 | 3,222 | 935 | 22.1% | 5.75% | #63 |
What Village Capital & Investment lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 271 | 78 | 60 | 22.1% |
| Polk County | 201 | 65 | 55 | 27.4% |
| Duval County | 175 | 57 | 40 | 22.9% |
| Broward County | 153 | 38 | 48 | 31.4% |
| Pasco County | 148 | 53 | 29 | 19.6% |
| Orange County | 138 | 40 | 30 | 21.7% |
| Miami-Dade County | 134 | 31 | 30 | 22.4% |
| Marion County | 125 | 37 | 22 | 17.6% |
| Volusia County | 120 | 32 | 23 | 19.2% |
| Osceola County | 119 | 32 | 16 | 13.4% |
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: 3,222 applications in 2025, of which 935 were originated and 711 denied.
22.1% of all applications, or 29.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Village Capital & Investment originated in Florida in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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