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Figure Lending LLC 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.
Figure Lending LLC's 2024 HMDA record for Florida covers 8,668 applications, 3,665 of them originated, worth $322m.
Its denial rate in the state was 34.5%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 29.8%.
The median rate spread on its Florida originations was 3.9 percentage points (state median 0.3).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Figure Lending LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 34.5% | 29.0% | 29.8% | 24.3% |
| Median rate spread, pp | 3.9 | 0.3 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 95.7% | 16.4% | 96.3% | 15.6% |
| Average originated loan | $88k | $359k | $78k | $329k |
| Home purchase share | 0.0% | 62.9% | 0.0% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home improvement 37% (1,365)Other purpose 63% (2,300)
By type
Conventional 100% (3,665)
Denial reasons as coded
Share of 2,780 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Broward County | 875 | 352 | $34m | 36.3% |
| Miami-Dade County | 910 | 305 | $35m | 42.3% |
| Palm Beach County | 713 | 275 | $28m | 38.0% |
| Hillsborough County | 546 | 255 | $22m | 28.3% |
| Orange County | 541 | 246 | $21m | 27.5% |
| Pinellas County | 382 | 176 | $15m | 29.0% |
| Duval County | 348 | 151 | $13m | 33.7% |
| Lee County | 341 | 133 | $11m | 36.7% |
| Pasco County | 263 | 132 | $11m | 28.9% |
| Polk County | 285 | 131 | $8.6m | 26.7% |
| St. Johns County | 234 | 110 | $10m | 28.3% |
| Brevard County | 240 | 107 | $8.2m | 34.2% |
| St. Lucie County | 204 | 99 | $7.1m | 32.3% |
| Volusia County | 237 | 97 | $7.7m | 39.4% |
| Seminole County | 208 | 96 | $6.5m | 30.5% |
| Osceola County | 194 | 78 | $5.8m | 36.5% |
| Sarasota County | 168 | 78 | $6.6m | 38.0% |
| Lake County | 171 | 76 | $6.3m | 36.4% |
| Marion County | 152 | 68 | $5.2m | 31.9% |
| Collier County | 153 | 55 | $6.5m | 39.0% |
| Manatee County | 151 | 54 | $4.5m | 40.0% |
| Hernando County | 102 | 50 | $3.0m | 32.6% |
| Clay County | 100 | 50 | $4.0m | 30.1% |
| Santa Rosa County | 98 | 49 | $3.9m | 23.4% |
| Okaloosa County | 89 | 47 | $3.6m | 18.8% |
| Escambia County | 79 | 35 | $2.8m | 39.5% |
| Indian River County | 73 | 33 | $3.2m | 31.3% |
| Bay County | 68 | 32 | $3.0m | 40.9% |
| Flagler County | 67 | 31 | $3.1m | 29.2% |
| Leon County | 58 | 28 | $1.6m | 34.5% |
| Charlotte County | 62 | 24 | $1.8m | 42.4% |
| Martin County | 72 | 23 | $2.0m | 45.3% |
| Alachua County | 74 | 21 | $1.5m | 39.7% |
| Monroe County | 54 | 21 | $3.5m | 46.8% |
| Citrus County | 52 | 21 | $1.3m | 44.0% |
| Walton County | 47 | 19 | $2.1m | 31.1% |
| Nassau County | 36 | 17 | $1.5m | 27.3% |
| Highlands County | 41 | 14 | $690k | 45.0% |
| Sumter County | 25 | 10 | $720k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Figure Lending LLC originate in Florida in 2024?
3,665 loans totalling $322m, from 8,668 applications reported for properties in Florida.
What is Figure Lending LLC's denial rate in Florida?
34.5% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 29.8% 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 Figure Lending LLC lend in most?
By originations: Broward County (352), Miami-Dade County (305), Palm Beach County (275), Hillsborough County (255), Orange County (246).
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.