Lenders › M/I Financial. LLC › Florida
M/I Financial. 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.
M/I Financial. LLC's 2024 HMDA record for Florida covers 1,670 applications, 1,261 of them originated, worth $552m.
Its denial rate in the state was 3.0%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 2.9%.
The median rate spread on its Florida originations was -0.3 percentage points (state median 0.3).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | M/I Financial. LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.0% | 29.0% | 2.9% | 24.3% |
| Median rate spread, pp | -0.3 | 0.3 | -0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 16.4% | 0.1% | 15.6% |
| Average originated loan | $438k | $359k | $400k | $329k |
| Home purchase share | 100.0% | 62.9% | 100.0% | 57.0% |
| FHA-insured share | 25.8% | 17.7% | 25.9% | 13.4% |
| VA-guaranteed share | 11.8% | 9.5% | 8.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 100% (1,261)
By type
Conventional 62% (787)FHA 26% (325)VA 12% (149)
Denial reasons as coded
Share of 48 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Pasco County | 412 | 320 | $148m | 2.8% |
| Manatee County | 270 | 200 | $79m | 1.7% |
| Orange County | 251 | 186 | $77m | 6.6% |
| Hillsborough County | 170 | 136 | $73m | 1.2% |
| Seminole County | 154 | 114 | $56m | 1.4% |
| Sarasota County | 160 | 106 | $41m | 2.0% |
| Osceola County | 83 | 63 | $26m | 4.9% |
| Hernando County | 55 | 49 | $20m | 0.0% |
| Volusia County | 50 | 42 | $16m | 4.0% |
| Charlotte County | 40 | 26 | $7.5m | 9.4% |
| Polk County | 25 | 19 | $8.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did M/I Financial. LLC originate in Florida in 2024?
1,261 loans totalling $552m, from 1,670 applications reported for properties in Florida.
What is M/I Financial. LLC's denial rate in Florida?
3.0% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 2.9% 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 M/I Financial. LLC lend in most?
By originations: Pasco County (320), Manatee County (200), Orange County (186), Hillsborough County (136), Seminole County (114).
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.