Zillow Home Loans in Florida vs the state
6.9%Denial rate-14.14 pts vs state
8.8%Decision denial rate-18.48 pts vs state
71.0%Origination rate+18.26 pts vs state
6.50%Median rate-0.13 pts vs state
0.31Rate spread (pts)+0.04 pts vs state
$104kMedian applicant income
1,590Loans originated
155Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 541 | 351 | 8.1% | 6.75% | #222 |
| 2024 | 1,100 | 756 | 8.2% | 6.63% | #142 |
| 2025 | 2,241 | 1,590 | 6.9% | 6.50% | #88 |
What Zillow Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brevard County | 156 | 118 | 11 | 7.1% |
| Orange County | 135 | 96 | 11 | 8.1% |
| Duval County | 124 | 89 | 5 | 4.0% |
| Marion County | 121 | 88 | 9 | 7.4% |
| Lee County | 116 | 85 | 10 | 8.6% |
| Hillsborough County | 109 | 82 | 2 | 1.8% |
| Volusia County | 109 | 74 | 8 | 7.3% |
| Polk County | 108 | 76 | 8 | 7.4% |
| Broward County | 102 | 64 | 12 | 11.8% |
| Pinellas County | 100 | 74 | 8 | 8.0% |
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: 2,241 applications in 2025, of which 1,590 were originated and 155 denied.
6.9% of all applications, or 8.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Zillow Home Loans originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Zillow Home Loans'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