Lender profile · HMDA 2023–2025
Florida mortgage approval rates & lending data
Florida decided 4,055 mortgage applications and funded 1,391 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 46% | 443 / 967 | 82% | $155K | 365 |
| Home improvement loans | 33% | 753 / 2,256 | 100% | $55K | 753 |
| Cash-out refinance | 52% | 244 / 467 | 72% | $125K | 175 |
| Refinance | 39% | 54 / 138 | 72% | $85K | 39 |
| Investment property purchase | 44% | 48 / 110 | 90% | $195K | 43 |
| Investment cash-out refinance | 38% | 20 / 52 | 70% | $125K | 14 |
| Investment home improvement | 3% | 2 / 62 | 100% | $45K | 2 |
Florida lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 39% | $55K | 4,022 | 1,391 |
| California | 0% | — | 5 | 0 |
| New York | 0% | — | 5 | 0 |
| Massachusetts | 0% | — | 3 | 0 |
| Texas | 0% | — | 3 | 0 |
| Colorado | 0% | — | 2 | 0 |
| Georgia | 0% | — | 1 | 0 |
| Hawaii | 0% | — | 1 | 0 |
| Illinois | 0% | — | 1 | 0 |
| Kentucky | 0% | — | 1 | 0 |
| Maine | 0% | — | 1 | 0 |
| Maryland | 0% | — | 1 | 0 |
| Minnesota | 0% | — | 1 | 0 |
| New Hampshire | 0% | — | 1 | 0 |
| New Jersey | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.