Zippy Loans in Florida vs the state
47.2%Denial rate+26.11 pts vs state
70.9%Decision denial rate+43.68 pts vs state
19.2%Origination rate-33.49 pts vs state
8.00%Median rate+1.38 pts vs state
0.02Rate spread (pts)-0.25 pts vs state
$52kMedian applicant income
129Loans originated
317Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 310 | 75 | 45.2% | 9.65% | #313 |
| 2025 | 672 | 129 | 47.2% | 8.00% | #201 |
What Zippy Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 224 | 57 | 102 | 45.5% |
| Escambia County | 109 | 20 | 45 | 41.3% |
| Alachua County | 67 | 20 | 27 | 40.3% |
| Orange County | 30 | 3 | 12 | 40.0% |
| Polk County | 21 | 4 | 11 | 52.4% |
| Broward County | 18 | 8 | 7 | 38.9% |
| Palm Beach County | 13 | 6 | 6 | 46.2% |
| St. Lucie County | 7 | 1 | 3 | 42.9% |
| Lee County | 6 | 3 | 2 | 33.3% |
| Osceola County | 6 | 0 | 1 | 16.7% |
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: 672 applications in 2025, of which 129 were originated and 317 denied.
47.2% of all applications, or 70.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Zippy Loans originated in Florida in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Zippy 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