Lenders › CBNA Year to Date › Florida
CBNA Year to Date 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.
CBNA Year to Date's 2024 HMDA record for Florida covers 4,766 applications, 2,333 of them originated, worth $991m.
Its denial rate in the state was 42.0%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 35.2%.
The median rate spread on its Florida originations was 1.0 percentage points (state median 0.3).
Applications in the state were down 37% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | CBNA Year to Date, all states | United States |
|---|---|---|---|---|
| Denial rate | 42.0% | 29.0% | 35.2% | 24.3% |
| Median rate spread, pp | 1.0 | 0.3 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 35.1% | 16.4% | 27.4% | 15.6% |
| Average originated loan | $425k | $359k | $272k | $329k |
| Home purchase share | 29.3% | 62.9% | 19.0% | 57.0% |
| FHA-insured share | 0.5% | 17.7% | 1.2% | 13.4% |
| VA-guaranteed share | 0.6% | 9.5% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 29% (683)Home improvement 29% (669)Refinancing 14% (319)Cash-out refinancing 1% (27)Other purpose 27% (635)
By type
Conventional 99% (2,307)FHA 0% (11)VA 1% (15)
Denial reasons as coded
Share of 1,746 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 826 | 341 | $212m | 52.7% |
| Palm Beach County | 591 | 318 | $217m | 36.7% |
| Broward County | 655 | 289 | $89m | 48.9% |
| Collier County | 217 | 125 | $69m | 29.9% |
| Lee County | 236 | 124 | $41m | 38.3% |
| Hillsborough County | 197 | 109 | $30m | 38.9% |
| Pinellas County | 172 | 94 | $24m | 34.0% |
| Orange County | 154 | 73 | $16m | 44.1% |
| Walton County | 104 | 67 | $65m | 19.0% |
| Sarasota County | 102 | 55 | $18m | 36.0% |
| Brevard County | 103 | 50 | $11m | 35.8% |
| St. Johns County | 91 | 49 | $16m | 37.8% |
| Manatee County | 102 | 47 | $16m | 46.1% |
| Seminole County | 68 | 44 | $5.7m | 27.4% |
| Pasco County | 85 | 40 | $9.7m | 41.4% |
| St. Lucie County | 86 | 39 | $9.0m | 42.3% |
| Polk County | 85 | 39 | $5.5m | 46.7% |
| Volusia County | 75 | 39 | $8.6m | 39.7% |
| Duval County | 74 | 36 | $9.0m | 36.4% |
| Monroe County | 72 | 36 | $23m | 29.6% |
| Lake County | 63 | 30 | $5.3m | 40.0% |
| Sumter County | 41 | 26 | $6.1m | 31.6% |
| Charlotte County | 45 | 24 | $6.9m | 41.5% |
| Osceola County | 52 | 23 | $8.6m | 50.0% |
| Martin County | 52 | 23 | $16m | 41.9% |
| Flagler County | 44 | 23 | $5.3m | 38.5% |
| Marion County | 50 | 20 | $4.3m | 46.3% |
| Escambia County | 34 | 20 | $5.2m | 31.0% |
| Bay County | 32 | 17 | $5.7m | 34.6% |
| Indian River County | 28 | 16 | $12m | 34.6% |
| Santa Rosa County | 34 | 15 | $2.2m | 42.3% |
| Hernando County | 39 | 12 | $2.8m | 59.4% |
| Okaloosa County | 29 | 12 | $2.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did CBNA Year to Date originate in Florida in 2024?
2,333 loans totalling $991m, from 4,766 applications reported for properties in Florida.
What is CBNA Year to Date's denial rate in Florida?
42.0% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 35.2% 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 CBNA Year to Date lend in most?
By originations: Miami-Dade County (341), Palm Beach County (318), Broward County (289), Collier County (125), Lee County (124).
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.