Lender in Florida · HMDA 2025
Rate mortgages in Florida
Rate's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Rate originated 2,272 owner-occupied single-family loans in Florida from 2,634 completed applications, making it the state's #21 lender by volume.
Its median conventional purchase loan costs were $7,120 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.75% (Florida: 6.625%).
Loans in FL
2,272
of 2,634 applications
Denial rate
9.5%
Purchase · FL 12.8%
Rate spread
+0.28 pts
Conv. · FL +0.14 pts
Loan amount
$355,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,175 | 1,949 | 9.5% | 6.750% | +0.28 pts | $7,120 | $355,000 |
| Refinance | 212 | 173 | 17.0% | 6.375% | +0.16 pts | $5,730 | $405,000 |
| Cash-out refinance | 247 | 150 | 38.9% | 6.875% | +0.30 pts | $7,020 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hamilton County | 4 | 3 | 4.8% |
| Dixie County | 9 | 3 | 4.2% |
| Pinellas County | 10 | 155 | 1.5% |
| Pasco County | 13 | 179 | 1.4% |
| Collier County | 13 | 65 | 1.5% |
| Martin County | 15 | 31 | 1.5% |
| Gilchrist County | 15 | 3 | 1.8% |
| St. Lucie County | 16 | 84 | 1.2% |
| Polk County | 17 | 159 | 1.2% |
| Palm Beach County | 18 | 144 | 0.9% |
| Alachua County | 18 | 35 | 1.3% |
| Lee County | 22 | 115 | 0.8% |
| Putnam County | 22 | 6 | 1.0% |
| Osceola County | 23 | 58 | 0.8% |
| Clay County | 23 | 35 | 0.9% |
| Levy County | 23 | 4 | 1.1% |
| Hillsborough County | 24 | 159 | 0.9% |
| Orange County | 24 | 133 | 0.9% |
| Marion County | 24 | 74 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology