Hamilton County, FL Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 375 mortgage applications in Hamilton County, FL totaling $39.3 million, up 3% from 2018. The average application was for $104,000, and applicants reported an average income of $57,000. 35% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 108 applications, followed by Florida Credit Union and First Federal Bank.
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| 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 | 375 |
| Total Mortgage Loan Application Amount | $39,325,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $208,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 108 | $ 9,470,000 |
| Florida Credit Union PO BOX 5549 GAINESVILLE, FL 32627 |
* | $ 1,110,685,000 | 24 | $ 1,520,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 17 | $ 1,945,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 13 | $ 1,985,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 13 | $ 1,035,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 10 | $ 730,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ 8,284,204,000 | 8 | $ 540,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 585,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 1,445,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 7 | $ 345,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,010,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 800,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 640,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 5 | $ 505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 855,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 5 | $ 275,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 805,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 720,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 3 | $ 245,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 345,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 3 | $ 225,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 285,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 625,000 |
| Lafayette State Bank 340 W MAIN ST MAYO, FL 32066 |
* | $ -1,000 | 3 | $ 135,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ 930,360,000 | 3 | $ 245,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 300,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ 2,087,848,000 | 2 | $ 60,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 510,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 240,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 230,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 160,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 160,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 22,388,030,000 | 2 | $ 40,000 |
| First Federal S&L Association PO BOX 888 VALDOSTA, GA 31603 |
* | $ 180,395,000 | 2 | $ 410,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 250,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,347,510,000 | 2 | $ 100,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 14,673,422,000 | 2 | $ 190,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 2 | $ 370,000 |
| Citizens Community Bank 120 W. MAIN STREET HAHIRA, GA 31632 |
* | $ 132,695,000 | 2 | $ 180,000 |
| Campus USA Credit Union 14007 NW 1ST RD NEWBERRY, FL 32669 |
* | $ 1,849,798,000 | 2 | $ 400,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 290,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 330,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 220,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 140,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 75,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 145,000 |
| Tampa Bay Federal Credit Union PO BOX 7492 TAMPA, FL 33603 |
* | $ 292,582,000 | 1 | $ 95,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 302,668,929,000 | 1 | $ 85,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 195,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 1 | $ 75,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 165,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,205,430,000 | 1 | $ 25,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 185,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 195,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 445,257,000 | 1 | $ 25,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 225,000 |
| Guardian Bank 701 WILDWOOD PLANTATION DR. VALDOSTA, GA 31604 |
* | $ 408,966,000 | 1 | $ 15,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 115,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 135,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 45,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,942,070,000 | 1 | $ 65,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 75,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ -1,000 | 1 | $ 65,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 265,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 125,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 205,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 25,000 |
| The Mortgage Firm 921 DOUGLAS AVENUE, SUITE 200 ALTAMONTE SPRINGS, FL 32714 |
* | $ -1,000 | 1 | $ 75,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 75,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 1 | $ 235,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 185,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 135,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 12,326,862,000 | 1 | $ 245,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 738,388,000 | 1 | $ 55,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 779,710,000 | 1 | $ 55,000 |
| Floridacentral Credit Union 3333 HENDERSON BLVD TAMPA, FL 33609 |
* | $ 498,163,000 | 1 | $ 35,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 75,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 325,000 |
| Synovus Mortgage Corp. 800 SHADES CREEK PARKWAY BIRMINGHAM, AL 35209 |
* | $ -1,000 | 1 | $ 255,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 145,000 |
| Champions Mortgage LLC 10575 68TH AVE C2 SEMINOLE, FL 33772 |
* | $ -1,000 | 1 | $ 125,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 145,000 |
| First Mortgage Solutions, LLC 9237 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 |
* | $ -1,000 | 1 | $ 205,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 1 | $ 55,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 488,016,000 | 1 | $ 255,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 65,000 |
| Universal Mortgage & Finance, Inc 3158 BRAVERTON STREET SUITE 204 EDGEWATER, MD 21037 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2019 mortgage applications in Hamilton 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 Hamilton County, FL in 2019
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 | 262 | $27,180,000 | $103,000 | $375,000 | $56,000 | $195,000 |
| Refinancing | 42 | $5,500,000 | $130,000 | $455,000 | $63,000 | $208,000 |
| Cash-out Refinancing | 37 | $4,945,000 | $133,000 | $325,000 | $65,000 | $160,000 |
| Home Improvement | 17 | $535,000 | $31,000 | $105,000 | $51,000 | $126,000 |
| Other Purpose | 14 | $830,000 | $59,000 | $155,000 | $60,000 | $114,000 |
| Not Applicable | 3 | $335,000 | $111,000 | $145,000 | $0 | $0 |
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 | 235 | $24,185,000 | $102,000 | $375,000 | $59,000 | $208,000 |
| Black or African American | 57 | $5,575,000 | $97,000 | $455,000 | $47,000 | $135,000 |
| Not Provided | 36 | $3,960,000 | $110,000 | $455,000 | $65,000 | $133,000 |
| Not applicable | 26 | $3,650,000 | $140,000 | $455,000 | $19,000 | $19,000 |
| Hispanic | 19 | $1,775,000 | $93,000 | $205,000 | $50,000 | $95,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $30,000 | $30,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 258 | $21,950,000 | $85,000 | $315,000 | $59,000 | $208,000 |
| FHA-insured (Federal Housing Administration) | 66 | $7,650,000 | $115,000 | $265,000 | $45,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 44 | $8,990,000 | $204,000 | $455,000 | $73,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $735,000 | $105,000 | $135,000 | $23,000 | $33,000 |
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 | 133 | $15,365,000 | $115,000 | $455,000 | $63,000 | $208,000 |
| Application Denied By Financial Institution | 121 | $10,595,000 | $87,000 | $255,000 | $47,000 | $139,000 |
| File Closed For Incompleteness | 34 | $3,320,000 | $97,000 | $265,000 | $65,000 | $163,000 |
| Application Withdrawn By Applicant | 32 | $4,010,000 | $125,000 | $455,000 | $61,000 | $160,000 |
| Loan Purchased By The Institution | 29 | $3,715,000 | $128,000 | $455,000 | $81,000 | $141,000 |
| Preapproval Denied by Financial Institution | 13 | $935,000 | $71,000 | $155,000 | $46,000 | $91,000 |
| Application Approved But Not Accepted | 12 | $1,240,000 | $103,000 | $225,000 | $66,000 | $154,000 |
| Preapproval Approved but not Accepted | 1 | $145,000 | $145,000 | $145,000 | $98,000 | $98,000 |
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 | 231 | $26,605,000 | $115,000 | $455,000 | $63,000 | $195,000 |
| Credit History | 76 | $6,370,000 | $83,000 | $235,000 | $47,000 | $139,000 |
| Debt-To-Income Ratio | 37 | $3,585,000 | $96,000 | $455,000 | $43,000 | $208,000 |
| Collateral | 13 | $1,145,000 | $88,000 | $245,000 | $57,000 | $128,000 |
| Other | 5 | $525,000 | $105,000 | $225,000 | $68,000 | $95,000 |
| Unverifiable Information | 5 | $335,000 | $67,000 | $135,000 | $50,000 | $119,000 |
| Credit Application Incomplete | 4 | $380,000 | $95,000 | $155,000 | $60,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $205,000 | $93,000 | $138,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $33,000 | $33,000 |
| 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.
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