Lender profile · HMDA 2023–2025
Midflorida mortgage approval rates & lending data
Midflorida decided 16,054 mortgage applications and funded 8,206 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 59% | 2,362 / 3,985 | 98% | $275K | 2,313 |
| Home improvement loans | 46% | 3,723 / 8,095 | 97% | $55K | 3,623 |
| Cash-out refinance | 51% | 282 / 554 | 98% | $175K | 275 |
| Refinance | 59% | 1,639 / 2,777 | 98% | $85K | 1,598 |
| Investment property purchase | 75% | 291 / 386 | 95% | $225K | 277 |
| Investment cash-out refinance | 45% | 25 / 56 | 92% | $125K | 23 |
| Investment refinance | 65% | 43 / 66 | 93% | $125K | 40 |
| Investment home improvement | 44% | 60 / 135 | 95% | $115K | 57 |
Midflorida lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 53% | $85K | 15,993 | 8,192 |
| North Carolina | 45% | $465K | 11 | 5 |
| Georgia | 44% | $165K | 9 | 4 |
| Tennessee | 33% | $235K | 6 | 2 |
| Virginia | 0% | — | 5 | 0 |
| Ohio | 0% | — | 4 | 0 |
| Alabama | 0% | — | 3 | 0 |
| Indiana | 0% | — | 3 | 0 |
| South Carolina | 67% | $165K | 3 | 2 |
| Arizona | 0% | — | 2 | 0 |
| Colorado | 0% | — | 2 | 0 |
| Illinois | 0% | — | 2 | 0 |
| Massachusetts | 0% | — | 2 | 0 |
| Michigan | 0% | — | 2 | 0 |
| California | 0% | — | 1 | 0 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.