Lafayette County, FL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 143 mortgage applications in Lafayette County, FL totaling $26.0 million, up 3% from 2023. The average application was for $181,000, and applicants reported an average income of $100,000. 45% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 21 applications, followed by Vanderbilt Mortgage and Finance, Inc and United Wholesale Mortgage.
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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 | 143 |
| Total Mortgage Loan Application Amount | $25,985,000 |
| Average Mortgage Loan Application Amount | $181,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $371,000 |
* 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 |
* | $ n/a | 21 | $ 3,675,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 8 | $ 1,000,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 1,505,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ n/a | 7 | $ 1,075,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ n/a | 6 | $ 460,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 5 | $ 855,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 680,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 4 | $ 860,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 540,000 |
| Florida Credit Union PO BOX 5549 GAINESVILLE, FL 32627 |
* | $ n/a | 4 | $ 420,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 865,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 765,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 360,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 370,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 320,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ n/a | 2 | $ 490,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 240,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 120,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 2 | $ 270,000 |
| Campus USA Credit Union 14007 NW 1ST RD NEWBERRY, FL 32669 |
* | $ n/a | 2 | $ 340,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 210,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 2 | $ 310,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 2 | $ 310,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 520,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 360,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 120,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 535,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 445,000 |
| Seacoast National Bank 815 S COLORADO AVE MIAMI, FL 34994 |
* | $ n/a | 1 | $ 25,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 295,000 |
| Total Quality Financial Inc CARMEL, IN 46032 |
* | $ n/a | 1 | $ 325,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 1 | $ 335,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ n/a | 1 | $ 185,000 |
| Princeton Mortgage Corporation 2482 PENNINGTON ROAD SUITE 1 EWING, NJ 08628 |
* | $ n/a | 1 | $ 485,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 225,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 445,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ n/a | 1 | $ 705,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 95,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 215,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 105,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 495,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 125,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 125,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ n/a | 1 | $ 175,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 75,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 185,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 325,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 435,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 75,000 |
| Space Coast Credit Union 8045 N. WICKHAM RD MELBOURNE, FL 32940 |
* | $ n/a | 1 | $ 245,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 265,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ n/a | 1 | $ 335,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 535,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ n/a | 1 | $ 155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 45,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 165,000 |
The tables below break down 2024 mortgage applications in Lafayette 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 Lafayette County, FL in 2024
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 | 90 | $18,400,000 | $204,000 | $705,000 | $107,000 | $371,000 |
| Cash-out Refinancing | 23 | $4,225,000 | $183,000 | $535,000 | $85,000 | $189,000 |
| Other Purpose | 12 | $960,000 | $80,000 | $155,000 | $80,000 | $308,000 |
| Home Improvement | 11 | $1,165,000 | $105,000 | $255,000 | $119,000 | $321,000 |
| Refinancing | 7 | $1,235,000 | $176,000 | $285,000 | $60,000 | $98,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 103 | $18,475,000 | $179,000 | $705,000 | $107,000 | $371,000 |
| Hispanic | 12 | $2,390,000 | $199,000 | $445,000 | $115,000 | $235,000 |
| Not Provided | 11 | $1,565,000 | $142,000 | $285,000 | $51,000 | $146,000 |
| Not applicable | 9 | $2,165,000 | $240,000 | $535,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $500,000 | $125,000 | $175,000 | $43,000 | $61,000 |
| Black or African American | 3 | $455,000 | $151,000 | $185,000 | $40,000 | $54,000 |
| Asian | 1 | $435,000 | $435,000 | $435,000 | $190,000 | $190,000 |
| 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) | 101 | $16,115,000 | $159,000 | $495,000 | $106,000 | $371,000 |
| VA-guaranteed (Veterans Administration) | 20 | $5,700,000 | $285,000 | $705,000 | $90,000 | $170,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,595,000 | $189,000 | $325,000 | $83,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $575,000 | $191,000 | $205,000 | $87,000 | $102,000 |
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 | 64 | $12,670,000 | $197,000 | $535,000 | $109,000 | $371,000 |
| Application Denied By Financial Institution | 34 | $4,230,000 | $124,000 | $275,000 | $88,000 | $308,000 |
| Application Withdrawn By Applicant | 16 | $3,750,000 | $234,000 | $705,000 | $95,000 | $213,000 |
| File Closed For Incompleteness | 13 | $1,825,000 | $140,000 | $285,000 | $93,000 | $220,000 |
| Loan Purchased By The Institution | 9 | $2,165,000 | $240,000 | $535,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $1,140,000 | $190,000 | $255,000 | $111,000 | $189,000 |
| Preapproval Approved but not Accepted | 1 | $205,000 | $205,000 | $205,000 | $102,000 | $102,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 107 | $21,445,000 | $200,000 | $705,000 | $105,000 | $371,000 |
| Credit History | 10 | $1,010,000 | $101,000 | $215,000 | $92,000 | $308,000 |
| Debt-To-Income Ratio | 10 | $1,410,000 | $141,000 | $275,000 | $64,000 | $93,000 |
| Collateral | 5 | $565,000 | $113,000 | $205,000 | $69,000 | $115,000 |
| Credit Application Incomplete | 4 | $410,000 | $102,000 | $165,000 | $79,000 | $135,000 |
| Unverifiable Information | 4 | $520,000 | $130,000 | $155,000 | $71,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $520,000 | $260,000 | $265,000 | $163,000 | $286,000 |
| Other | 1 | $105,000 | $105,000 | $105,000 | $279,000 | $279,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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