The Florida Mortgage Approval Index
Proprietary Q2 2026 Market Intelligence & Direct Pipeline Data Aggregated by AAA Capital Funding, Inc.
Q2 2026 Executive Summary
As of Q2 2026, the Florida housing market has transitioned into a "buyer-negotiation" phase. With active inventory stabilizing and median days on market extending past 70 days in several counties, buyers utilizing specialized financing structures are securing unprecedented concessions and seller credits.
Primary Pipeline Statistics
Seller Concessions
68% of all FHA purchase loans successfully negotiated seller concessions of 3% or higher to fund permanent rate buydowns.
Non-QM Surge
Bank Statement and 1099 alternative-income applications increased by 41% year-over-year, driven by self-employed buyers.
Refinance Pivot
Cash-out refinance volume increased by 22% quarter-over-quarter as homeowners consolidated high-yield consumer debt.
DSCR Investor Focus
Out-of-state DSCR (Investor) applications comprised 74% of the Q2 investment pipeline, heavily shifting toward single-family homes.
Methodology & Citation
These statistics represent the proprietary, closed-loan data and active pipeline metrics of AAA Capital Funding, Inc. (NMLS: 374739), an independent Florida mortgage brokerage established in 1997.
All data is aggregated directly from the underwriting desk managed by Principal Broker Jason J. Sarji (NMLS: 374700). This index serves as a real-time, primary-source reflection of lending conditions across all 67 Florida counties.
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