Mortgage Approval and Denial Rates in Florida (2025 HMDA)

Mortgage denial rates in Florida: lenders acted on 926,608 mortgage applications in Florida in 2025 and denied 21.0% of them, down from 22.6% in 2024. The national denial rate was 17.7%.

Applications acted on

926,608

Loans originated

489,025

Denial rate

21.0%

Median loan

$255,000

Florida against the national picture

Florida denial rate21.0%
National denial rate17.7%
Florida, 202422.6%

Most-reported denial reason in Florida: Debt-to-income ratio.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
Holmes County64531.9%$155,000
Dixie County54631.7%$155,000
Madison County58531.5%$145,000
Jackson County1,56030.1%$145,000
Gadsden County1,30629.8%$165,000
Hamilton County39829.6%$145,000
Suwannee County1,65428.6%$165,000
Levy County2,33427.8%$175,000
Union County36527.4%$175,000
Okeechobee County1,51027.1%$205,000
Jefferson County54627.1%$180,000
Calhoun County40226.9%$145,000
Putnam County3,15926.4%$165,000
Hardee County65826.1%$190,000
Hendry County1,82425.8%$225,000
Miami-Dade County74,11125.6%$325,000
Columbia County2,56825.5%$175,000
Washington County1,09225.5%$185,000
Broward County67,62125.3%$265,000
Lafayette County16624.7%$165,000
Taylor County52424.2%$155,000
Liberty County20223.8%$155,000
Glades County42723.7%$195,000
Bradford County1,03423.4%$195,000
DeSoto County84323.4%$195,000
Polk County38,26023.2%$245,000
Osceola County22,17623.0%$305,000
St. Lucie County19,84222.8%$275,000
Monroe County3,11422.5%$525,000
Palm Beach County56,39622.2%$285,000
Orange County48,53721.9%$275,000
Highlands County4,54321.9%$175,000
Marion County23,91121.4%$205,000
Gilchrist County80321.2%$175,000
Volusia County26,78021.0%$225,000
Indian River County7,71320.7%$225,000
Franklin County60020.7%$225,000
Alachua County8,55920.3%$205,000
Hillsborough County56,71120.2%$265,000
Duval County40,35620.1%$215,000
Pinellas County37,57620.1%$245,000
Collier County16,95020.1%$335,000
Hernando County12,36119.9%$235,000
Baker County93019.9%$215,000
Lee County40,90119.3%$275,000
Lake County21,55819.3%$265,000
Seminole County17,51819.3%$255,000
Clay County11,01619.0%$245,000
Citrus County9,43119.0%$195,000
Pasco County33,43418.9%$245,000
Escambia County13,44518.9%$205,000
Flagler County8,14918.9%$265,000
Charlotte County13,28818.6%$245,000
Martin County6,80818.6%$275,000
Sarasota County22,18918.5%$265,000
Manatee County22,06018.5%$295,000
Walton County6,95418.4%$345,000
Bay County10,86318.3%$255,000
Brevard County31,83418.1%$245,000
Gulf County95817.6%$275,000
Nassau County5,29417.5%$285,000
Leon County8,31917.0%$195,000
Santa Rosa County11,24416.7%$265,000
St. Johns County18,60515.7%$315,000
Okaloosa County9,96115.7%$285,000
Wakulla County1,87315.6%$205,000
Sumter County8,70812.2%$245,000

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Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.