Name of the lender

AdvantageFirst Lending Inc in FloridaMortgage rates, total loan costs and denial rate for homes in Florida, 2025

HMDA year2025

StateFlorida

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 1,547 applications for homes in Florida in the HMDA data of 2025.

It originated 448 loans in the state in 2025, for $147 million in total.

The median interest rate of these loans in 2025 was 6.125%, and the median of all lenders in Florida was 6.375%.

The median total loan costs in 2025 were $19,200, and the state median was $8,247.

It denied 39.3% of the applications that it decided in the state in 2025, and the state denial rate was 27.2%.

Filed figures of AdvantageFirst Lending Inc in Florida, 2025
Figure	In FL	Lender, all states	FL, all lenders
Applications	1,547	12,186	931,897
Loans originated	448	4,137	491,046
Median interest rate	6.125%	6.125%	6.375%
Median total loan costs	$19,200	$18,448	$8,247
Denial rate	39.3%	34.9%	27.2%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in FL

Pricing medians of AdvantageFirst Lending Inc in Florida, 2025Each value has the median of all lenders in Florida under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in FL	448	6.125%FL 6.375%	$19,200FL $8,247	$12,992FL $2,390	$10,508FL $3,169	$51FL $519	0.379FL 0.155

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.379 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,137 more a year, or $95 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Florida by the action taken
Action taken	Records	Share
1Loan originated	448	29.0%
2Application approved but not accepted	0	0.0%
3Application denied	290	18.7%
4Application withdrawn by applicant	736	47.6%
5File closed for incompleteness	73	4.7%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Florida by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	276	57	46.7%
FHA-insured	761	213	42.0%
VA-guaranteed	510	178	32.6%

Counties in Florida

Counties of AdvantageFirst Lending Inc in Florida with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Brevard County	53	19	$6.3 million	36.7%
Broward County	77	22	$10.3 million	35.3%
Clay County	26	10	$3.4 million	n/a
Duval County	74	26	$8.2 million	23.5%
Escambia County	26	7	$2.0 million	n/a
Hernando County	30	10	$3.0 million	n/a
Hillsborough County	104	28	$9.2 million	39.1%
Lake County	52	15	$5.6 million	n/a
Lee County	60	10	$3.1 million	60.0%
Manatee County	32	13	$4.0 million	n/a
Marion County	44	13	$3.4 million	n/a
Miami-Dade County	89	17	$6.5 million	56.4%
Orange County	75	24	$7.6 million	29.4%
Osceola County	46	13	$3.5 million	n/a
Palm Beach County	104	22	$7.9 million	55.1%
Pasco County	49	16	$4.6 million	n/a
Pinellas County	59	19	$7.2 million	32.1%
Polk County	73	22	$5.5 million	42.1%
Santa Rosa County	27	9	$3.3 million	n/a
Sarasota County	28	8	$2.7 million	n/a
Seminole County	27	6	$1.9 million	n/a
St. Johns County	30	12	$5.1 million	n/a
St. Lucie County	30	5	$2.0 million	n/a
Volusia County	70	22	$6.4 million	37.1%

Figures by year

AdvantageFirst Lending Inc in Florida by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	1,547	448	$147 million	6.125%	$19,200	39.3%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in Florida: mortgage rates, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/fl/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Florida. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in Florida in 2025?: 448 of its loans originated, out of 4,137 in all states. That is 10.8%.
In which counties of Florida did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were Hillsborough County (28), Duval County (26) and Orange County (24).
Which loan types did AdvantageFirst Lending Inc originate in Florida in 2025?: 57 conventional, 213 FHA and 178 VA.
What share of the applications in Florida did AdvantageFirst Lending Inc report in 2025?: 0.2%: 1,547 out of 931,897 applications of all lenders in the state.