Lenders › American Financing Corporation › Florida
American Financing Corporation 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.
In Florida, American Financing Corporation reported 1,556 applications and 229 originations for 2024, $54m in all.
Its denial rate in the state was 73.8%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 67.6%.
The median rate spread on its Florida originations was 0.1 percentage points (state median 0.3).
Applications in the state were up 56% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | American Financing Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 73.8% | 29.0% | 67.6% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.5% | 16.4% | 10.0% | 15.6% |
| Average originated loan | $236k | $359k | $250k | $329k |
| Home purchase share | 19.2% | 62.9% | 16.1% | 57.0% |
| FHA-insured share | 39.3% | 17.7% | 47.9% | 13.4% |
| VA-guaranteed share | 8.3% | 9.5% | 6.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 19% (44)Refinancing 5% (12)Cash-out refinancing 69% (159)Other purpose 6% (14)
By type
Conventional 52% (119)FHA 39% (90)VA 8% (19)USDA 0% (1)
Denial reasons as coded
Share of 921 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lee County | 77 | 17 | $4.3m | 67.7% |
| Broward County | 111 | 16 | $3.3m | 79.6% |
| Marion County | 57 | 15 | $2.7m | 63.3% |
| Pasco County | 62 | 13 | $2.8m | 63.5% |
| Hillsborough County | 83 | 11 | $3.0m | 67.7% |
| Pinellas County | 73 | 10 | $2.1m | 75.4% |
| Volusia County | 47 | 10 | $2.5m | 72.2% |
| Palm Beach County | 97 | 9 | $2.8m | 75.9% |
| Orange County | 57 | 9 | $2.0m | 75.6% |
| Duval County | 56 | 9 | $1.6m | 72.1% |
| Osceola County | 46 | 6 | $1.9m | 75.7% |
| Lake County | 40 | 6 | $1.3m | 73.5% |
| Collier County | 30 | 6 | $1.9m | — |
| Miami-Dade County | 73 | 5 | $1.7m | 87.1% |
| Brevard County | 65 | 5 | $775k | 77.8% |
| Alachua County | 29 | 5 | $1.3m | — |
| Escambia County | 25 | 5 | $1.0m | — |
| Polk County | 62 | 4 | $670k | 85.4% |
| St. Lucie County | 40 | 4 | $1.3m | 80.0% |
| Seminole County | 30 | 4 | $720k | — |
| Manatee County | 25 | 3 | $1.0m | — |
| Sarasota County | 35 | 2 | $240k | 81.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did American Financing Corporation originate in Florida in 2024?
229 loans totalling $54m, from 1,556 applications reported for properties in Florida.
What is American Financing Corporation's denial rate in Florida?
73.8% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 67.6% 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 American Financing Corporation lend in most?
By originations: Lee County (17), Broward County (16), Marion County (15), Pasco County (13), Hillsborough County (11).
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.