Florida Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,066,803 mortgage applications in Florida totaling $353.0 billion, up 3% from 2024. The average application was for $330,000, and applicants reported an average income of $166,000. 46% of applications resulted in an originated loan and 18% were denied. The most active lenders were United Wholesale Mortgage (71,790 applications), PennyMac Loan Services LLC and JPMorgan Chase Bank, NA.
See the top mortgage lenders in Florida, browse lending by metro area and by county, or see the mortgage lenders headquartered in Florida and Florida lenders by city.
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Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Florida's mortgage market trends.
| 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 | 1,066,803 |
| Total Mortgage Loan Application Amount | $353,020,800,000 |
| Average Mortgage Loan Application Amount | $330,000 |
| Highest Mortgage Loan Application Amount | $97,025,000 |
| Average Applicant Income | $166,000 |
| Highest Applicant Income | $9,900,000 |
Top 25 Mortgage Lenders in Florida (2025)
Ranked by the number of mortgage applications each lender received for properties in Florida in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Florida mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Florida.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI |
71,790 | $26,158,760,000 | $364,378 | $144,626 |
| 2 | PennyMac Loan Services LLC Westlake Village, CA |
43,205 | $15,316,525,000 | $354,508 | $155,717 |
| 3 | JPMorgan Chase Bank, NA Columbus, OH |
29,501 | $11,564,355,000 | $391,998 | $212,610 |
| 4 | Bank of America NA Westlake Village, CA |
25,882 | $7,685,875,000 | $296,958 | $173,150 |
| 5 | Newrez LLC Fort Washington, PA |
24,074 | $7,517,610,000 | $312,270 | $147,128 |
| 6 | Lakeview Loan Servicing, LLC Coral Gables, FL |
21,276 | $4,634,450,000 | $217,825 | $134,563 |
| 7 | Navy Federal Credit Union Vienna, VA |
19,529 | $4,257,535,000 | $218,010 | $134,597 |
| 8 | Crosscountry Mortgage, LLC Cleveland, OH |
19,133 | $7,108,665,000 | $371,539 | $186,084 |
| 9 | Freedom Mortgage Corporation Boca Raton, FL |
18,431 | $6,742,725,000 | $365,836 | $119,881 |
| 10 | Truist Bank Raleigh, NC |
17,444 | $5,058,455,000 | $289,982 | $185,216 |
| 11 | Amerihome Mortgage Company, LLC Thousand Oaks, CA |
17,443 | $6,539,295,000 | $374,895 | $164,892 |
| 12 | DHI Mortgage Company, Ltd. Austin, TX |
16,697 | $5,502,085,000 | $329,525 | $109,721 |
| 13 | Lennar Mortgage, LLC Miami, FL |
15,013 | $5,103,275,000 | $339,923 | $129,576 |
| 14 | Regions Bank Birmingham, AL |
14,068 | $2,996,160,000 | $212,976 | $174,520 |
| 15 | Mortgage Research Center Columbia, MO |
14,059 | $5,007,615,000 | $356,185 | $116,966 |
| 16 | loanDepot.com LLC Irvine, CA |
13,216 | $3,232,250,000 | $244,570 | $115,739 |
| 17 | Suncoast Credit Union Tampa, FL |
12,829 | $2,025,875,000 | $157,913 | $113,008 |
| 18 | Coastal Community Bank Everett, WA |
12,416 | $1,018,810,000 | $82,056 | $153,237 |
| 19 | Space Coast Credit Union Melbourne, FL |
12,006 | $2,138,220,000 | $178,095 | $161,780 |
| 20 | 21st Mortgage Knoxville, TN |
11,603 | $1,704,925,000 | $146,938 | $77,761 |
| 21 | Spring Eq, LLC Conshohocken, PA |
11,291 | $1,283,085,000 | $113,637 | $150,073 |
| 22 | Figure Lending LLC San Francisco, CA |
11,055 | $1,149,385,000 | $103,969 | $120,915 |
| 23 | New American Funding, Llc. Tustin, CA |
10,391 | $2,790,905,000 | $268,588 | $114,372 |
| 24 | PNC Bank N.A. Pittsburgh, PA |
9,709 | $2,962,345,000 | $305,113 | $174,961 |
| 25 | Fifth Third Bank, National Association Cincinnati, OH |
9,572 | $2,434,250,000 | $254,309 | $165,842 |
The tables below break down 2025 mortgage applications in Florida by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Florida in 2025
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 | 554,529 | $218,290,275,000 | $393,000 | $87,665,000 | $177,000 | $9,884,000 |
| Cash-out Refinancing | 180,412 | $51,486,865,000 | $285,000 | $89,525,000 | $144,000 | $9,837,000 |
| Refinancing | 120,332 | $52,112,340,000 | $433,000 | $97,025,000 | $186,000 | $9,900,000 |
| Other Purpose | 120,155 | $18,479,625,000 | $153,000 | $88,115,000 | $153,000 | $9,700,000 |
| Home Improvement | 89,502 | $12,311,190,000 | $137,000 | $33,005,000 | $157,000 | $9,100,000 |
| Not Applicable | 1,873 | $340,505,000 | $181,000 | $4,005,000 | $102,000 | $4,244,000 |
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 | 450,331 | $141,246,230,000 | $313,000 | $67,995,000 | $180,000 | $9,900,000 |
| Hispanic | 216,500 | $65,759,110,000 | $303,000 | $32,005,000 | $152,000 | $9,816,000 |
| Not applicable | 149,489 | $69,905,180,000 | $467,000 | $97,025,000 | $165,000 | $8,368,000 |
| Not Provided | 132,386 | $42,177,925,000 | $318,000 | $68,485,000 | $169,000 | $9,665,000 |
| Black or African American | 81,105 | $21,234,145,000 | $261,000 | $27,505,000 | $116,000 | $9,766,000 |
| Asian | 31,283 | $11,109,325,000 | $355,000 | $15,005,000 | $188,000 | $9,252,000 |
| American Indian or Alaskan Native | 4,251 | $1,180,505,000 | $277,000 | $40,005,000 | $143,000 | $9,729,000 |
| Native Hawaiian or Other Pacific Islander | 1,361 | $388,845,000 | $285,000 | $23,805,000 | $134,000 | $3,028,000 |
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) | 758,254 | $246,167,615,000 | $324,000 | $97,025,000 | $186,000 | $9,900,000 |
| FHA-insured (Federal Housing Administration) | 201,122 | $64,879,030,000 | $322,000 | $77,545,000 | $99,000 | $9,766,000 |
| VA-guaranteed (Veterans Administration) | 105,021 | $41,444,685,000 | $394,000 | $5,695,000 | $121,000 | $9,676,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,406 | $529,470,000 | $220,000 | $2,995,000 | $93,000 | $9,533,000 |
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 | 489,066 | $177,823,640,000 | $363,000 | $97,025,000 | $179,000 | $9,884,000 |
| Application Denied By Financial Institution | 194,427 | $48,627,105,000 | $250,000 | $75,005,000 | $129,000 | $9,900,000 |
| Application Withdrawn By Applicant | 149,304 | $54,344,160,000 | $364,000 | $90,005,000 | $176,000 | $9,729,000 |
| Loan Purchased By The Institution | 138,251 | $46,142,375,000 | $333,000 | $89,525,000 | $166,000 | $9,517,000 |
| File Closed For Incompleteness | 60,698 | $16,596,235,000 | $273,000 | $48,255,000 | $163,000 | $9,300,000 |
| Application Approved But Not Accepted | 33,208 | $8,820,560,000 | $265,000 | $44,905,000 | $167,000 | $9,077,000 |
| Preapproval Approved but not Accepted | 1,308 | $496,160,000 | $379,000 | $3,485,000 | $176,000 | $5,699,000 |
| Preapproval Denied by Financial Institution | 541 | $170,565,000 | $315,000 | $8,455,000 | $125,000 | $1,845,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 866,169 | $300,149,460,000 | $346,000 | $97,025,000 | $175,000 | $9,884,000 |
| Debt-To-Income Ratio | 77,849 | $22,211,325,000 | $285,000 | $85,055,000 | $103,000 | $9,837,000 |
| Credit History | 40,452 | $7,563,230,000 | $186,000 | $40,005,000 | $130,000 | $9,600,000 |
| Collateral | 27,878 | $7,234,560,000 | $259,000 | $20,005,000 | $175,000 | $9,700,000 |
| Credit Application Incomplete | 24,843 | $6,011,835,000 | $241,000 | $17,505,000 | $155,000 | $8,514,000 |
| Other | 15,026 | $4,926,120,000 | $327,000 | $75,005,000 | $178,000 | $9,900,000 |
| Unverifiable Information | 7,672 | $2,495,210,000 | $325,000 | $10,655,000 | $162,000 | $6,545,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5,147 | $1,888,725,000 | $366,000 | $30,005,000 | $149,000 | $6,279,000 |
| Employment History | 1,740 | $529,930,000 | $304,000 | $4,725,000 | $123,000 | $7,885,000 |
| Mortgage Insurance Denied | 27 | $10,405,000 | $385,000 | $1,715,000 | $99,000 | $221,000 |
Mortgage Loan Application Totals in 2025 by Florida Metropolitan Area
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cape Coral-Fort Myers, FL | 47,616 | $ 14,498,405,000 | $ 304,000 | $ 156,000 |
| Crestview-Fort Walton Beach-Destin, FL | 19,394 | $ 8,233,415,000 | $ 424,000 | $ 227,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 40,338 | $ 10,689,395,000 | $ 265,000 | $ 127,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 75,979 | $ 27,756,455,000 | $ 365,000 | $ 196,000 |
| Gainesville, FL | 13,336 | $ 3,284,230,000 | $ 246,000 | $ 133,000 |
| Homosassa Springs, FL | 10,816 | $ 2,282,020,000 | $ 210,000 | $ 111,000 |
| Jacksonville, FL | 88,818 | $ 26,564,645,000 | $ 299,000 | $ 144,000 |
| Lakeland-Winter Haven, FL | 45,698 | $ 11,410,825,000 | $ 249,000 | $ 110,000 |
| Miami-Miami Beach-Kendall, FL | 82,866 | $ 40,979,990,000 | $ 494,000 | $ 247,000 |
| Naples-Immokalee-Marco Island, FL | 19,245 | $ 9,471,275,000 | $ 492,000 | $ 264,000 |
| North Port-Sarasota-Bradenton, FL | 52,098 | $ 18,981,505,000 | $ 364,000 | $ 185,000 |
| Ocala, FL | 27,928 | $ 6,070,230,000 | $ 217,000 | $ 109,000 |
| Orlando-Kissimmee-Sanford, FL | 127,060 | $ 42,151,095,000 | $ 331,000 | $ 156,000 |
| Palm Bay-Melbourne-Titusville, FL | 37,012 | $ 10,370,205,000 | $ 280,000 | $ 135,000 |
| Panama City, FL | 13,564 | $ 3,844,620,000 | $ 283,000 | $ 140,000 |
| Pensacola-Ferry Pass-Brent, FL | 28,879 | $ 7,649,525,000 | $ 264,000 | $ 131,000 |
| Port St. Lucie, FL | 31,090 | $ 9,923,845,000 | $ 319,000 | $ 153,000 |
| Punta Gorda, FL | 15,434 | $ 4,108,350,000 | $ 266,000 | $ 145,000 |
| Sebastian-Vero Beach, FL | 8,828 | $ 2,534,110,000 | $ 287,000 | $ 153,000 |
| Sebring, FL | 5,245 | $ 1,058,725,000 | $ 201,000 | $ 102,000 |
| St. Petersburg-Clearwater-Largo, FL | 42,265 | $ 14,129,180,000 | $ 334,000 | $ 174,000 |
| Tallahassee, FL | 14,383 | $ 3,425,720,000 | $ 238,000 | $ 122,000 |
| Tampa, FL | 119,202 | $ 36,079,025,000 | $ 302,000 | $ 148,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 63,757 | $ 27,706,600,000 | $ 434,000 | $ 234,000 |
| Wildwood-The Villages, FL | 9,508 | $ 2,586,370,000 | $ 272,000 | $ 142,000 |
Mortgage Loan Application Totals in 2025 by Florida County
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Alachua | 9,801 | $ 2,588,815,000 | $ 264,000 | $ 144,000 |
| Baker | 1,055 | $ 249,015,000 | $ 236,000 | $ 102,000 |
| Bay | 12,345 | $ 3,611,845,000 | $ 292,000 | $ 145,000 |
| Bradford | 1,150 | $ 233,830,000 | $ 203,000 | $ 92,000 |
| Brevard | 37,012 | $ 10,370,205,000 | $ 280,000 | $ 135,000 |
| Broward | 75,979 | $ 27,756,455,000 | $ 365,000 | $ 196,000 |
| Calhoun | 439 | $ 75,265,000 | $ 171,000 | $ 93,000 |
| Charlotte | 15,434 | $ 4,108,350,000 | $ 266,000 | $ 145,000 |
| Citrus | 10,816 | $ 2,282,020,000 | $ 210,000 | $ 111,000 |
| Clay | 12,974 | $ 3,454,590,000 | $ 266,000 | $ 117,000 |
| Collier | 19,245 | $ 9,471,275,000 | $ 492,000 | $ 264,000 |
| Columbia | 2,842 | $ 560,310,000 | $ 197,000 | $ 99,000 |
| DeSoto | 983 | $ 215,075,000 | $ 218,000 | $ 118,000 |
| Dixie | 591 | $ 99,155,000 | $ 167,000 | $ 88,000 |
| Duval | 46,362 | $ 12,372,565,000 | $ 266,000 | $ 127,000 |
| Escambia | 15,669 | $ 3,856,955,000 | $ 246,000 | $ 127,000 |
| Flagler | 9,443 | $ 2,645,705,000 | $ 280,000 | $ 135,000 |
| Franklin | 669 | $ 244,055,000 | $ 364,000 | $ 210,000 |
| Gadsden | 1,521 | $ 271,125,000 | $ 178,000 | $ 85,000 |
| Gilchrist | 904 | $ 179,610,000 | $ 198,000 | $ 106,000 |
| Glades | 484 | $ 110,150,000 | $ 227,000 | $ 125,000 |
| Gulf | 1,107 | $ 418,345,000 | $ 377,000 | $ 198,000 |
| Hamilton | 443 | $ 73,575,000 | $ 166,000 | $ 81,000 |
| Hardee | 742 | $ 153,520,000 | $ 206,000 | $ 138,000 |
| Hendry | 2,080 | $ 486,920,000 | $ 234,000 | $ 101,000 |
| Hernando | 14,521 | $ 3,430,665,000 | $ 236,000 | $ 114,000 |
| Highlands | 5,245 | $ 1,058,725,000 | $ 201,000 | $ 102,000 |
| Hillsborough | 64,895 | $ 21,610,415,000 | $ 333,000 | $ 163,000 |
| Holmes | 699 | $ 117,575,000 | $ 168,000 | $ 86,000 |
| Indian River | 8,828 | $ 2,534,110,000 | $ 287,000 | $ 153,000 |
| Jackson | 1,680 | $ 279,700,000 | $ 166,000 | $ 87,000 |
| Jefferson | 607 | $ 133,985,000 | $ 220,000 | $ 108,000 |
| Lafayette | 179 | $ 37,955,000 | $ 212,000 | $ 99,000 |
| Lake | 25,398 | $ 7,571,030,000 | $ 298,000 | $ 139,000 |
| Lee | 47,616 | $ 14,498,405,000 | $ 304,000 | $ 156,000 |
| Leon | 9,990 | $ 2,503,285,000 | $ 250,000 | $ 133,000 |
| Levy | 2,631 | $ 515,805,000 | $ 196,000 | $ 101,000 |
| Liberty | 213 | $ 38,575,000 | $ 181,000 | $ 102,000 |
| Madison | 635 | $ 110,525,000 | $ 174,000 | $ 86,000 |
| Manatee | 26,297 | $ 9,575,330,000 | $ 364,000 | $ 178,000 |
| Marion | 27,928 | $ 6,070,230,000 | $ 217,000 | $ 109,000 |
| Martin | 7,688 | $ 3,102,615,000 | $ 403,000 | $ 221,000 |
| Miami-Dade | 82,866 | $ 40,979,990,000 | $ 494,000 | $ 247,000 |
| Monroe | 3,467 | $ 2,421,505,000 | $ 698,000 | $ 416,000 |
| Nassau | 6,059 | $ 2,012,895,000 | $ 332,000 | $ 167,000 |
| Okaloosa | 11,491 | $ 3,809,295,000 | $ 331,000 | $ 150,000 |
| Okeechobee | 1,737 | $ 383,725,000 | $ 220,000 | $ 115,000 |
| Orange | 55,368 | $ 19,987,665,000 | $ 361,000 | $ 171,000 |
| Osceola | 26,139 | $ 8,438,405,000 | $ 322,000 | $ 136,000 |
| Palm Beach | 63,757 | $ 27,706,600,000 | $ 434,000 | $ 234,000 |
| Pasco | 39,786 | $ 11,037,945,000 | $ 277,000 | $ 135,000 |
| Pinellas | 42,265 | $ 14,129,180,000 | $ 334,000 | $ 174,000 |
| Polk | 45,698 | $ 11,410,825,000 | $ 249,000 | $ 110,000 |
| Putnam | 3,501 | $ 644,445,000 | $ 184,000 | $ 93,000 |
| Santa Rosa | 13,210 | $ 3,792,570,000 | $ 287,000 | $ 134,000 |
| Sarasota | 25,801 | $ 9,406,175,000 | $ 364,000 | $ 192,000 |
| Seminole | 20,155 | $ 6,153,995,000 | $ 305,000 | $ 158,000 |
| St. Johns | 22,368 | $ 8,475,580,000 | $ 378,000 | $ 189,000 |
| St. Lucie | 23,402 | $ 6,821,230,000 | $ 291,000 | $ 128,000 |
| Sumter | 9,508 | $ 2,586,370,000 | $ 272,000 | $ 142,000 |
| Suwannee | 1,803 | $ 343,285,000 | $ 190,000 | $ 89,000 |
| Taylor | 600 | $ 106,120,000 | $ 176,000 | $ 103,000 |
| Union | 400 | $ 77,430,000 | $ 193,000 | $ 108,000 |
| Volusia | 30,895 | $ 8,043,690,000 | $ 260,000 | $ 124,000 |
| Wakulla | 2,265 | $ 517,325,000 | $ 228,000 | $ 104,000 |
| Walton | 7,903 | $ 4,424,120,000 | $ 559,000 | $ 335,000 |
| Washington | 1,219 | $ 232,775,000 | $ 190,000 | $ 95,000 |
Our comprehensive HMDA mortgage statistics offer invaluable insights into Florida's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.
This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively.
Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Florida's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.
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