We Florida Financial in Florida vs the state
4.3%Denial rate-16.78 pts vs state
4.6%Decision denial rate-22.64 pts vs state
86.6%Origination rate+33.94 pts vs state
7.50%Median rate+0.88 pts vs state
—Rate spread (pts)
$94kMedian applicant income
162Loans originated
8Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 61 | 26 | 27.9% | 7.00% | #583 |
| 2024 | 215 | 170 | 4.2% | 8.50% | #370 |
| 2025 | 187 | 162 | 4.3% | 7.50% | #378 |
What We Florida Financial lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most We Florida Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 140 | 122 | 6 | 4.3% |
| Palm Beach County | 22 | 18 | 1 | 4.5% |
| Miami-Dade County | 18 | 16 | 0 | 0.0% |
| Duval County | 1 | 1 | 0 | 0.0% |
| Manatee County | 1 | 1 | 0 | 0.0% |
| Brevard County | 1 | 1 | 0 | 0.0% |
| Indian River County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Volusia County | 1 | 0 | 1 | 100.0% |
| St. Lucie 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: 187 applications in 2025, of which 162 were originated and 8 denied.
4.3% 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 We Florida Financial originated in Florida in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are We Florida Financial'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