Lender in Florida · HMDA 2025
Midflorida mortgages in Florida
Midflorida's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Midflorida originated 1,083 owner-occupied single-family loans in Florida from 1,694 completed applications.
Its median conventional purchase loan costs were $5,640 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.375% (Florida: 6.625%).
Loans in FL
1,083
of 1,694 applications
Denial rate
32.4%
Purchase · FL 12.8%
Rate spread
−0.07 pts
Conv. · FL +0.14 pts
Loan amount
$325,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,108 | 740 | 32.4% | 6.375% | −0.07 pts | $5,640 | $325,000 |
| Refinance | 345 | 203 | 39.7% | 5.490% | +0.45 pts | $220 | $125,000 |
| Cash-out refinance | 241 | 140 | 40.7% | 6.125% | −0.22 pts | $4,780 | $215,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Midflorida ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hardee County | 1 | 19 | 12.2% |
| Okeechobee County | 4 | 22 | 6.4% |
| DeSoto County | 4 | 15 | 6.7% |
| Highlands County | 5 | 69 | 4.9% |
| Polk County | 6 | 348 | 2.7% |
| Levy County | 16 | 6 | 1.6% |
| Indian River County | 21 | 31 | 1.3% |
| Sumter County | 22 | 21 | 0.6% |
| Dixie County | 25 | 1 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology