Lenders › Change Lending, LLC › Florida
Change 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.
Change Lending, LLC's 2024 HMDA record for Florida covers 1,208 applications, 628 of them originated, worth $305m.
Its denial rate in the state was 19.2%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 13.7%.
The median rate spread on its Florida originations was 2.1 percentage points (state median 0.3).
Applications in the state were down 45% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Change Lending, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 19.2% | 29.0% | 13.7% | 24.3% |
| Median rate spread, pp | 2.1 | 0.3 | 0.9 | 0.3 |
| Originations with spread of 1.5 pp or more | 60.2% | 16.4% | 31.6% | 15.6% |
| Average originated loan | $485k | $359k | $531k | $329k |
| Home purchase share | 44.4% | 62.9% | 60.9% | 57.0% |
| FHA-insured share | 4.0% | 17.7% | 15.4% | 13.4% |
| VA-guaranteed share | 0.5% | 9.5% | 3.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 65% (279)Refinancing 5% (23)Cash-out refinancing 30% (127)
By type
Conventional 96% (600)FHA 4% (25)VA 0% (3)
Denial reasons as coded
Share of 151 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 | 149 | 86 | $42m | 16.3% |
| Miami-Dade County | 154 | 67 | $46m | 28.4% |
| Palm Beach County | 93 | 48 | $32m | 20.0% |
| Lee County | 81 | 41 | $17m | 14.3% |
| Hillsborough County | 76 | 39 | $16m | 14.9% |
| Pasco County | 50 | 34 | $12m | 12.8% |
| Orange County | 54 | 31 | $14m | 16.2% |
| Pinellas County | 57 | 24 | $11m | 25.0% |
| Polk County | 41 | 23 | $6.6m | 14.8% |
| Duval County | 32 | 19 | $6.5m | — |
| Volusia County | 28 | 19 | $7.6m | — |
| Manatee County | 36 | 18 | $7.7m | 28.0% |
| Sarasota County | 35 | 18 | $15m | — |
| Marion County | 28 | 18 | $4.3m | — |
| Brevard County | 28 | 14 | $5.1m | — |
| Osceola County | 25 | 12 | $4.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Change Lending, LLC originate in Florida in 2024?
628 loans totalling $305m, from 1,208 applications reported for properties in Florida.
What is Change Lending, LLC's denial rate in Florida?
19.2% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 13.7% 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 Change Lending, LLC lend in most?
By originations: Broward County (86), Miami-Dade County (67), Palm Beach County (48), Lee County (41), Hillsborough County (39).
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.