V.i.p. Mortgage in Florida vs the state
8.1%Denial rate-12.95 pts vs state
12.3%Decision denial rate-14.91 pts vs state
56.8%Origination rate+4.07 pts vs state
6.50%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.09 pts vs state
$134kMedian applicant income
63Loans originated
9Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 43 | 4.9% | 6.99% | #587 |
| 2024 | 82 | 61 | 4.9% | 6.63% | #516 |
| 2025 | 111 | 63 | 8.1% | 6.50% | #466 |
What V.i.p. Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most V.i.p. Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 15 | 8 | 0 | 0.0% |
| Pinellas County | 13 | 9 | 1 | 7.7% |
| Manatee County | 7 | 5 | 1 | 14.3% |
| Polk County | 6 | 6 | 0 | 0.0% |
| Pasco County | 6 | 5 | 0 | 0.0% |
| Duval County | 5 | 3 | 0 | 0.0% |
| Orange County | 5 | 2 | 2 | 40.0% |
| Palm Beach County | 5 | 4 | 0 | 0.0% |
| St. Johns County | 5 | 3 | 0 | 0.0% |
| Broward County | 5 | 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: 111 applications in 2025, of which 63 were originated and 9 denied.
8.1% of all applications, or 12.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans V.i.p. Mortgage originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are V.i.p. 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