MIAMI (9/2/11)--Florida--one of the states hit hardest during the recession--is experiencing a mini-boom in mortgages, according to a new national survey. The Sunshine State accounted for more than one of out five home loans from April to June, according the most recent survey of lenders from the Mortgage Bankers Association (South Florida Sun-Sentinel Sept. 1) Fewer Florida residents are missing house payments, according to the association. That sign of stability is giving lenders a sense of confidence, said Rich Helber, president/CEO of Tropical Financial CU of South Florida, Pembroke Pines, Fla. Helber told the Sun-Sentinel home prices have stabilized in South Florida. Tropical Financial CU of South Florida has loosened mortgage requirements and accepts more applicants with high debt if they have a good history of making payments. Mortgage applicants may not be required to make a 20% down payment if they have a credit score of 650 or above, he added.