Baker County, FL Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 849 mortgage applications in Baker County, FL totaling $108.4 million, up 5% from 2014. The average application was for $127,000, and applicants reported an average income of $62,000. 45% of applications resulted in an originated loan and 28% were denied. The most active lender was Vystar Credit Union, with 133 applications, followed by First Federal Bank and Wells Fargo Bank NA.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Florida.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 849
Total Mortgage Loan Application Amount $108,356,000
Average Mortgage Loan Application Amount $127,000
Highest Mortgage Loan Application Amount $900,000
Average Applicant Income $62,000
Highest Applicant Income $300,000

Mortgage Company List for Lending in Baker County, FL for 2015

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Vystar Credit Union
4949 BLANDING BLVD
JACKSONVILLE, FL 32202
* $ 5,266,241,000 133 $ 11,810,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 972,551,000 131 $ 19,882,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 78 $ 8,408,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 52 $ 3,946,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 21 $ 3,751,000
Country Federal Credit Union
602 SOUTH SIXTH ST.
MACCLENNY, FL 32063
* $ 53,891,000 20 $ 1,506,000
American Enterprise Bank of Fl
10611 DEERWOOD PARK BLVD
JACKSNOVILLE, FL 32256
* $ 198,535,000 18 $ 1,294,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 17 $ 457,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 230,280,000,000 16 $ 521,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 16 $ 2,253,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 15 $ 2,100,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 14 $ 1,880,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 14 $ 1,564,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 13 $ 1,680,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 12 $ 2,687,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 12 $ 1,590,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 7,827,707,000 11 $ 732,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 11 $ 1,462,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 11 $ 1,576,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ 10,000,000 8 $ 1,431,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 8 $ 1,136,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 7 $ 857,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 7 $ 1,214,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 6 $ 883,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 6 $ 905,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 6 $ 703,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 5 $ 1,097,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 5 $ 682,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 5 $ 582,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 927,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 1,137,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 908,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 4 $ 549,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 1,040,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 4 $ 633,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 4 $ 684,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 536,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 3 $ 345,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 453,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 627,629,000 3 $ 218,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 3 $ 636,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 3 $ 441,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 3 $ 1,157,000
Community First Credit Union of Florida
637 N. LEE STREET
JACKSONVILLE, FL 32204
* $ 1,252,485,000 3 $ 366,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 512,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 3 $ 475,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 3 $ 516,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 3 $ 505,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 569,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 972,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 345,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 488,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 2 $ 279,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 367,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 455,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 323,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 194,000
Watson Mortgage Corp.
6206 ATLANTIC BLVD, STE. 1
JACKSONVILLE, FL 32257
* $ 10,000,000 2 $ 266,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 96,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 406,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 2 $ 320,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 431,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 258,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 512,000
Origin Bank

HOUSTON, TX 77024
* $ 3,713,197,000 1 $ 82,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 1 $ 255,000
Fbt Mortgage, L.L.C.
6911 WASHINGTON AVE SUITE B
OCEAN SPRINGS, MS 39564
* $ 678,000,000 1 $ 156,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 1 $ 191,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,607,137,000 1 $ 165,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 403,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 308,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 132,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 121,000
Unmb Home Loans Inc
3601 HEMPSTEAD TPK. SUITE 300
LEVITTOWN, NY 11756
* $ 10,000,000 1 $ 117,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 83,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 156,000
Orion Federal Credit Union
7845 HIGHWAY 64
MEMPHIS, TN 38103
* $ 545,884,000 1 $ 73,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 140,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 124,628,000 1 $ 371,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 83,000
Security America Mortgage, Inc.
7514 SHADYVILLA LN, STE A
HOUSTON, TX 77055
* $ 50,984,000 1 $ 243,000
Resmac, Inc.
5400 BROKEN SOUND BLVD #600
BOCA RATON, FL 33487
* $ 5,479,000 1 $ 116,000
Space Coast Credit Union
8045 N. WICKHAM RD
MELBOURNE, FL 32940
* $ 3,259,612,000 1 $ 232,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 81,661,915,000 1 $ 35,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 1 $ 200,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 115,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 1 $ 165,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 1 $ 266,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 151,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ 705,729,000 1 $ 55,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 1 $ 316,000
Firstatlantic Bank
1325 HENDRICKS AVENUE
JACKSONVILLE, FL 32207
* $ 383,183,000 1 $ 200,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 183,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 239,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 75,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 123,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 271,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 206,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 3,083,087,000 1 $ 196,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,148,005,000 1 $ 167,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ 16,639,000 1 $ 151,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 48,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 122,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 131,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 1 $ 198,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 133,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 96,000

The tables below break down 2015 mortgage applications in Baker County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Baker County, FL in 2015

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 430 $58,317,000 $135,000 $452,000 $60,000 $217,000
Refinancing 333 $46,306,000 $139,000 $900,000 $64,000 $300,000
Home Improvement 86 $3,733,000 $43,000 $240,000 $61,000 $267,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 678 $86,114,000 $127,000 $900,000 $67,000 $300,000
Not Provided 66 $8,365,000 $126,000 $403,000 $55,000 $190,000
Not applicable 49 $7,193,000 $146,000 $377,000 $9,000 $207,000
Black or African American 32 $2,848,000 $89,000 $377,000 $44,000 $120,000
Hispanic 14 $2,436,000 $174,000 $287,000 $69,000 $115,000
American Indian or Alaskan Native 6 $687,000 $114,000 $266,000 $60,000 $240,000
Asian 4 $713,000 $178,000 $200,000 $47,000 $66,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 528 $58,749,000 $111,000 $900,000 $70,000 $300,000
FHA-insured (Federal Housing Administration) 156 $20,836,000 $133,000 $316,000 $42,000 $190,000
VA-guaranteed (Veterans Administration) 108 $21,070,000 $195,000 $711,000 $60,000 $298,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $7,701,000 $135,000 $216,000 $40,000 $85,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 379 $51,534,000 $135,000 $452,000 $69,000 $267,000
Application Denied By Financial Institution 234 $24,538,000 $104,000 $377,000 $59,000 $300,000
Application Withdrawn By Applicant 99 $12,655,000 $127,000 $417,000 $64,000 $240,000
File Closed For Incompleteness 64 $8,596,000 $134,000 $900,000 $63,000 $298,000
Loan Purchased By The Institution 60 $9,146,000 $152,000 $403,000 $21,000 $207,000
Application Approved But Not Accepted 13 $1,887,000 $145,000 $302,000 $73,000 $138,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 68 $5,402,000 $79,000 $377,000 $56,000 $160,000
Debt-To-Income Ratio 38 $4,513,000 $118,000 $300,000 $60,000 $168,000
Collateral 29 $2,493,000 $85,000 $220,000 $69,000 $125,000
Credit Application Incomplete 17 $2,195,000 $129,000 $218,000 $42,000 $97,000
Other 10 $928,000 $92,000 $178,000 $44,000 $80,000
Insufficient Cash (Downpayment, Closing Cost) 8 $947,000 $118,000 $260,000 $57,000 $131,000
Employment History 3 $170,000 $56,000 $95,000 $42,000 $53,000
Unverifiable Information 1 $201,000 $201,000 $201,000 $15,000 $15,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Download the Florida Lender List