Lenders › Guaranteed Rate, Inc. › Florida
Guaranteed Rate, Inc. 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, Guaranteed Rate, Inc. reported 6,277 applications and 3,350 originations for 2024, $1.2bn in all.
Its denial rate in the state was 16.3%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 9.0%.
The median rate spread on its Florida originations was 0.3 percentage points (state median 0.3).
Applications in the state were down 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Guaranteed Rate, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 16.3% | 29.0% | 9.0% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.7% | 16.4% | 6.7% | 15.6% |
| Average originated loan | $368k | $359k | $392k | $329k |
| Home purchase share | 85.9% | 62.9% | 83.4% | 57.0% |
| FHA-insured share | 18.6% | 17.7% | 14.3% | 13.4% |
| VA-guaranteed share | 11.5% | 9.5% | 9.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 86% (2,876)Home improvement 2% (78)Refinancing 3% (108)Cash-out refinancing 4% (142)Other purpose 4% (146)
By type
Conventional 70% (2,338)FHA 19% (622)VA 12% (386)USDA 0% (4)
Denial reasons as coded
Share of 676 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Orange County | 628 | 316 | $127m | 13.8% |
| Pinellas County | 437 | 252 | $100m | 11.1% |
| Hillsborough County | 404 | 236 | $101m | 16.2% |
| Palm Beach County | 430 | 228 | $96m | 18.6% |
| Broward County | 468 | 191 | $84m | 26.1% |
| Polk County | 321 | 191 | $57m | 18.4% |
| Pasco County | 241 | 150 | $52m | 11.6% |
| Miami-Dade County | 333 | 145 | $76m | 32.0% |
| Seminole County | 237 | 128 | $43m | 9.3% |
| Lee County | 244 | 116 | $41m | 24.4% |
| Osceola County | 209 | 116 | $42m | 13.3% |
| Marion County | 190 | 116 | $27m | 12.0% |
| Volusia County | 175 | 107 | $31m | 11.9% |
| Lake County | 170 | 99 | $30m | 15.0% |
| St. Lucie County | 144 | 86 | $24m | 14.0% |
| Manatee County | 121 | 76 | $28m | 10.1% |
| Duval County | 148 | 73 | $19m | 18.3% |
| Alachua County | 128 | 67 | $16m | 11.7% |
| Collier County | 126 | 67 | $42m | 11.5% |
| Brevard County | 127 | 63 | $21m | 15.6% |
| Okaloosa County | 97 | 59 | $22m | 7.8% |
| Charlotte County | 98 | 56 | $16m | 6.3% |
| Sarasota County | 105 | 49 | $20m | 20.3% |
| Santa Rosa County | 56 | 32 | $9.7m | 11.1% |
| Bay County | 56 | 26 | $6.8m | 25.7% |
| St. Johns County | 54 | 25 | $13m | 26.5% |
| Hernando County | 47 | 25 | $5.9m | 16.1% |
| Sumter County | 35 | 24 | $7.2m | 0.0% |
| Escambia County | 43 | 23 | $7.9m | 14.8% |
| Clay County | 45 | 22 | $5.9m | 0.0% |
| Martin County | 44 | 20 | $7.6m | 14.8% |
| Nassau County | 34 | 19 | $8.2m | — |
| Citrus County | 29 | 19 | $3.2m | — |
| Flagler County | 29 | 17 | $6.1m | — |
| Leon County | 29 | 16 | $3.6m | — |
| Indian River County | 29 | 15 | $6.0m | — |
| Walton County | 27 | 15 | $8.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guaranteed Rate, Inc. originate in Florida in 2024?
3,350 loans totalling $1.2bn, from 6,277 applications reported for properties in Florida.
What is Guaranteed Rate, Inc.'s denial rate in Florida?
16.3% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 9.0% 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 Guaranteed Rate, Inc. lend in most?
By originations: Orange County (316), Pinellas County (252), Hillsborough County (236), Palm Beach County (228), Broward County (191).
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.