Florida
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Discover comprehensive Florida mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing aggregated HMDA statistics for all Florida based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Florida's mortgage market trends.

Years 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 1,026,896
Total Mortgage Loan Application Amount $314,805,695,000
Average Mortgage Loan Application Amount $306,000
Highest Mortgage Loan Application Amount $98,905,000
Average Applicant Income $150,000
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and application trends for 2023 in Florida. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in Florida, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2023 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in Florida.

Download the Florida Lender List

Mortgage Loan Application Detail Totals for Florida in 2023

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 606,881 $222,834,440,000 $367,000 $93,405,000 $162,000 $9,999,000
Cash-out Refinancing 150,811 $41,401,685,000 $274,000 $98,905,000 $119,000 $9,486,000
Other Purpose 114,478 $17,192,320,000 $150,000 $70,765,000 $141,000 $9,644,000
Home Improvement 102,572 $12,325,860,000 $120,000 $56,235,000 $141,000 $9,838,000
Refinancing 50,087 $20,482,075,000 $409,000 $95,345,000 $153,000 $9,632,000
Not Applicable 2,067 $569,315,000 $275,000 $30,825,000 $93,000 $3,639,000

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 446,445 $126,155,645,000 $282,000 $70,005,000 $160,000 $9,958,000
Hispanic 181,340 $50,676,590,000 $279,000 $24,775,000 $136,000 $9,617,000
Not applicable 139,308 $63,246,655,000 $454,000 $98,905,000 $150,000 $9,667,000
Not Provided 131,893 $39,876,875,000 $302,000 $54,445,000 $156,000 $9,996,000
Black or African American 86,295 $21,330,065,000 $247,000 $9,265,000 $109,000 $9,600,000
Asian 28,662 $9,884,920,000 $344,000 $10,005,000 $176,000 $9,999,000
American Indian or Alaskan Native 4,888 $1,106,150,000 $226,000 $14,505,000 $118,000 $8,300,000
Native Hawaiian or Other Pacific Islander 1,074 $284,180,000 $264,000 $7,005,000 $126,000 $2,600,000

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) 763,081 $228,522,745,000 $299,000 $98,905,000 $167,000 $9,999,000
FHA-insured (Federal Housing Administration) 176,557 $53,984,120,000 $305,000 $93,405,000 $90,000 $9,958,000
VA-guaranteed (Veterans Administration) 85,300 $31,923,450,000 $374,000 $54,445,000 $111,000 $8,460,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,958 $375,380,000 $191,000 $1,755,000 $79,000 $590,000

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 462,714 $154,470,225,000 $333,000 $95,345,000 $163,000 $9,996,000
Application Denied By Financial Institution 206,395 $45,269,120,000 $219,000 $90,005,000 $116,000 $9,878,000
Application Withdrawn By Applicant 147,204 $50,276,825,000 $341,000 $94,655,000 $158,000 $9,999,000
Loan Purchased By The Institution 129,884 $43,724,790,000 $336,000 $98,905,000 $151,000 $8,333,000
File Closed For Incompleteness 51,327 $12,236,245,000 $238,000 $67,535,000 $140,000 $9,835,000
Application Approved But Not Accepted 27,503 $8,183,685,000 $297,000 $74,555,000 $157,000 $9,600,000
Preapproval Approved but not Accepted 1,071 $335,665,000 $313,000 $3,575,000 $143,000 $5,766,000
Preapproval Denied by Financial Institution 798 $309,140,000 $387,000 $57,005,000 $86,000 $1,140,000

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 814,895 $266,110,850,000 $326,000 $98,905,000 $159,000 $9,999,000
Debt-To-Income Ratio 89,673 $21,998,120,000 $245,000 $70,555,000 $93,000 $8,939,000
Credit History 48,073 $7,209,815,000 $149,000 $14,005,000 $116,000 $9,480,000
Collateral 26,649 $6,466,265,000 $242,000 $57,295,000 $159,000 $9,878,000
Credit Application Incomplete 18,278 $4,138,180,000 $226,000 $17,005,000 $144,000 $9,644,000
Other 14,950 $4,460,255,000 $298,000 $90,005,000 $163,000 $9,600,000
Unverifiable Information 7,262 $2,094,220,000 $288,000 $10,005,000 $152,000 $9,280,000
Insufficient Cash (Downpayment, Closing Cost) 4,839 $1,693,015,000 $349,000 $14,205,000 $150,000 $6,470,000
Employment History 2,257 $628,525,000 $278,000 $10,005,000 $105,000 $9,020,000
Mortgage Insurance Denied 20 $6,450,000 $322,000 $645,000 $135,000 $400,000
Download the Florida Lender List

Mortgage Loan Application Totals in 2023 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 44,701 $ 13,380,830,000 $ 299,000 $ 148,000
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 18,512 $ 7,313,590,000 $ 395,000 $ 191,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 40,164 $ 9,696,295,000 $ 241,000 $ 118,000
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 75,032 $ 24,835,320,000 $ 331,000 $ 171,000
GAINESVILLE, FL 11,939 $ 2,653,215,000 $ 222,000 $ 115,000
HOMOSASSA SPRINGS, FL 9,608 $ 1,861,490,000 $ 193,000 $ 95,000
JACKSONVILLE, FL 86,550 $ 24,444,940,000 $ 282,000 $ 133,000
LAKELAND-WINTER HAVEN, FL 47,141 $ 11,672,065,000 $ 247,000 $ 107,000
MIAMI-MIAMI BEACH-KENDALL, FL 78,990 $ 34,800,015,000 $ 440,000 $ 212,000
NAPLES-IMMOKALEE-MARCO ISLAND, FL 19,198 $ 8,714,370,000 $ 454,000 $ 253,000
NORTH PORT-SARASOTA-BRADENTON, FL 48,680 $ 16,517,285,000 $ 339,000 $ 174,000
OCALA, FL 25,365 $ 5,201,460,000 $ 205,000 $ 101,000
ORLANDO-KISSIMMEE-SANFORD, FL 122,848 $ 37,265,865,000 $ 303,000 $ 142,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 36,151 $ 9,423,985,000 $ 260,000 $ 124,000
PANAMA CITY, FL 12,175 $ 3,372,790,000 $ 277,000 $ 140,000
PENSACOLA-FERRY PASS-BRENT, FL 27,242 $ 6,883,770,000 $ 252,000 $ 122,000
PORT ST. LUCIE, FL 30,472 $ 8,621,735,000 $ 282,000 $ 135,000
PUNTA GORDA, FL 13,793 $ 3,620,775,000 $ 262,000 $ 131,000
SEBASTIAN-VERO BEACH, FL 7,885 $ 2,026,315,000 $ 256,000 $ 142,000
SEBRING, FL 4,697 $ 909,575,000 $ 193,000 $ 94,000
TALLAHASSEE, FL 12,912 $ 2,974,410,000 $ 230,000 $ 111,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 158,778 $ 45,442,315,000 $ 286,000 $ 140,000
THE VILLAGES, FL 6,455 $ 1,602,295,000 $ 248,000 $ 126,000
WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL 62,935 $ 25,598,360,000 $ 406,000 $ 205,000
Download the Florida Lender List

Mortgage Loan Application Totals in 2023 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 8,869 $ 2,103,685,000 $ 237,000 $ 125,000
Baker 1,044 $ 267,230,000 $ 255,000 $ 95,000
Bay 12,175 $ 3,372,790,000 $ 277,000 $ 140,000
Bradford 932 $ 162,990,000 $ 174,000 $ 88,000
Brevard 36,151 $ 9,423,985,000 $ 260,000 $ 124,000
Broward 75,032 $ 24,835,320,000 $ 331,000 $ 171,000
Calhoun 384 $ 57,640,000 $ 150,000 $ 79,000
Charlotte 13,793 $ 3,620,775,000 $ 262,000 $ 131,000
Citrus 9,608 $ 1,861,490,000 $ 193,000 $ 95,000
Clay 12,471 $ 3,115,575,000 $ 249,000 $ 110,000
Collier 19,198 $ 8,714,370,000 $ 454,000 $ 253,000
Columbia 2,675 $ 485,295,000 $ 181,000 $ 89,000
DeSoto 1,032 $ 209,570,000 $ 203,000 $ 97,000
Dixie 497 $ 71,995,000 $ 144,000 $ 80,000
Duval 45,327 $ 11,442,640,000 $ 252,000 $ 118,000
Escambia 15,704 $ 3,854,260,000 $ 245,000 $ 121,000
Flagler 8,939 $ 2,348,075,000 $ 262,000 $ 129,000
Franklin 622 $ 224,530,000 $ 360,000 $ 213,000
Gadsden 1,411 $ 252,745,000 $ 179,000 $ 85,000
Gilchrist 784 $ 146,530,000 $ 186,000 $ 90,000
Glades 430 $ 82,990,000 $ 193,000 $ 84,000
Gulf 1,042 $ 339,710,000 $ 326,000 $ 190,000
Hamilton 372 $ 57,470,000 $ 154,000 $ 76,000
Hardee 564 $ 98,510,000 $ 174,000 $ 87,000
Hendry 2,067 $ 427,815,000 $ 206,000 $ 95,000
Hernando 13,364 $ 2,832,930,000 $ 211,000 $ 96,000
Highlands 4,697 $ 909,575,000 $ 193,000 $ 94,000
Hillsborough 64,456 $ 19,938,260,000 $ 309,000 $ 148,000
Holmes 583 $ 91,335,000 $ 156,000 $ 79,000
Indian River 7,885 $ 2,026,315,000 $ 256,000 $ 142,000
Jackson 1,437 $ 215,375,000 $ 149,000 $ 79,000
Jefferson 539 $ 107,155,000 $ 198,000 $ 91,000
Lafayette 139 $ 25,565,000 $ 183,000 $ 89,000
Lake 25,152 $ 6,980,670,000 $ 277,000 $ 127,000
Lee 44,701 $ 13,380,830,000 $ 299,000 $ 148,000
Leon 9,144 $ 2,267,520,000 $ 247,000 $ 120,000
Levy 2,286 $ 403,000,000 $ 176,000 $ 88,000
Liberty 188 $ 27,170,000 $ 144,000 $ 75,000
Madison 505 $ 80,125,000 $ 158,000 $ 89,000
Manatee 24,809 $ 8,378,580,000 $ 337,000 $ 171,000
Marion 25,365 $ 5,201,460,000 $ 205,000 $ 101,000
Martin 6,630 $ 2,332,515,000 $ 351,000 $ 197,000
Miami-Dade 78,990 $ 34,800,015,000 $ 440,000 $ 212,000
Monroe 2,966 $ 1,884,865,000 $ 635,000 $ 353,000
Nassau 6,116 $ 1,809,540,000 $ 295,000 $ 143,000
Okaloosa 11,165 $ 3,412,515,000 $ 305,000 $ 137,000
Okeechobee 1,669 $ 316,075,000 $ 189,000 $ 99,000
Orange 50,898 $ 16,700,290,000 $ 328,000 $ 154,000
Osceola 27,337 $ 8,419,205,000 $ 308,000 $ 135,000
Palm Beach 62,935 $ 25,598,360,000 $ 406,000 $ 205,000
Pasco 39,522 $ 10,362,185,000 $ 262,000 $ 123,000
Pinellas 41,436 $ 12,308,940,000 $ 297,000 $ 157,000
Polk 47,141 $ 11,672,065,000 $ 247,000 $ 107,000
Putnam 3,026 $ 519,660,000 $ 171,000 $ 84,000
Santa Rosa 11,538 $ 3,029,510,000 $ 262,000 $ 124,000
Sarasota 23,871 $ 8,138,705,000 $ 340,000 $ 177,000
Seminole 19,461 $ 5,165,700,000 $ 265,000 $ 136,000
St. Johns 21,592 $ 7,809,955,000 $ 361,000 $ 177,000
St. Lucie 23,842 $ 6,289,220,000 $ 263,000 $ 117,000
Sumter 6,455 $ 1,602,295,000 $ 248,000 $ 126,000
Suwannee 1,500 $ 250,480,000 $ 166,000 $ 90,000
Taylor 592 $ 104,890,000 $ 177,000 $ 96,000
Union 430 $ 75,550,000 $ 175,000 $ 86,000
Volusia 31,225 $ 7,348,220,000 $ 235,000 $ 115,000
Wakulla 1,818 $ 346,990,000 $ 190,000 $ 98,000
Walton 7,347 $ 3,901,075,000 $ 530,000 $ 275,000
Washington 1,021 $ 163,025,000 $ 159,000 $ 81,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Florida's 2023 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.

Download the Florida Lender List