TD Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
TD Bank's 2024 HMDA record for Florida covers 7,657 applications, 3,261 of them originated, worth $1.0bn.
Its denial rate in the state was 45.0%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 36.8%.
The median rate spread on its Florida originations was 0.6 percentage points (state median 0.3).
Applications in the state were down 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | TD Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 45.0% | 29.0% | 36.8% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.4% | 16.4% | 22.5% | 15.6% |
| Average originated loan | $315k | $359k | $335k | $329k |
| Home purchase share | 26.2% | 62.9% | 26.1% | 57.0% |
| FHA-insured share | 0.3% | 17.7% | 0.4% | 13.4% |
| VA-guaranteed share | 0.2% | 9.5% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 26% (856)Home improvement 35% (1,141)Refinancing 16% (508)Cash-out refinancing 0% (14)Other purpose 23% (742)
By type
Conventional 100% (3,246)FHA 0% (10)VA 0% (5)
Denial reasons as coded
Share of 2,721 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 1,370 | 515 | $171m | 50.4% |
| Palm Beach County | 1,150 | 495 | $163m | 45.0% |
| Broward County | 1,085 | 399 | $138m | 53.3% |
| Orange County | 377 | 181 | $71m | 37.2% |
| Brevard County | 303 | 130 | $29m | 47.0% |
| Hillsborough County | 280 | 127 | $39m | 43.1% |
| Pinellas County | 278 | 116 | $42m | 46.2% |
| Volusia County | 257 | 116 | $25m | 39.8% |
| St. Lucie County | 276 | 108 | $14m | 46.5% |
| Collier County | 197 | 90 | $34m | 38.1% |
| St. Johns County | 144 | 83 | $36m | 28.3% |
| Pasco County | 179 | 77 | $14m | 44.8% |
| Lee County | 152 | 72 | $23m | 35.4% |
| Duval County | 168 | 69 | $32m | 44.2% |
| Martin County | 134 | 66 | $22m | 38.3% |
| Indian River County | 131 | 58 | $7.3m | 43.7% |
| Alachua County | 91 | 56 | $22m | 19.4% |
| Polk County | 133 | 51 | $11m | 54.9% |
| Sarasota County | 106 | 51 | $16m | 37.0% |
| Marion County | 97 | 51 | $9.5m | 34.2% |
| Osceola County | 132 | 48 | $12m | 53.8% |
| Seminole County | 85 | 46 | $11m | 33.8% |
| Manatee County | 93 | 39 | $13m | 41.8% |
| Lake County | 66 | 36 | $9.3m | 32.7% |
| Charlotte County | 47 | 22 | $7.2m | 38.9% |
| Citrus County | 39 | 21 | $5.7m | 36.4% |
| Flagler County | 43 | 20 | $5.5m | 35.5% |
| Sumter County | 27 | 16 | $3.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did TD Bank originate in Florida in 2024?
3,261 loans totalling $1.0bn, from 7,657 applications reported for properties in Florida.
What is TD Bank's denial rate in Florida?
45.0% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 36.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does TD Bank lend in most?
By originations: Miami-Dade County (515), Palm Beach County (495), Broward County (399), Orange County (181), Brevard County (130).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.