Liberty County, FL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 170 mortgage applications in Liberty County, FL totaling $18.2 million, down 2% from 2014. The average application was for $107,000, and applicants reported an average income of $57,000. 30% of applications resulted in an originated loan and 36% were denied. The most active lender was 21st Mortgage, with 30 applications, followed by Regions Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 170 |
| Total Mortgage Loan Application Amount | $18,211,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $364,000 |
| 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 |
* | $ 10,000,000 | 30 | $ 2,294,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 16 | $ 1,492,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 13 | $ 934,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 11 | $ 1,194,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 9 | $ 1,229,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 7,384,532,000 | 9 | $ 838,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 7,925,450,000 | 8 | $ 726,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 585,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 563,000 |
| Farmers & Merchants Bank 200 E. WASHINGTON STREET MONTICELLO, FL 32344 |
* | $ 424,240,000 | 4 | $ 483,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 4 | $ 585,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 4 | $ 604,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 4 | $ 499,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 181,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 3 | $ 40,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 205,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 2 | $ 92,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 277,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,157,083,000 | 2 | $ 396,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ 133,851,000 | 2 | $ 246,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 234,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 202,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 2 | $ 385,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 359,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 2 | $ 369,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 408,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 326,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 4,040,577,000 | 1 | $ 140,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 64,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 88,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 110,000 |
| First Commerce Credit Union 2073 LAKE SUMMIT TALLAHASSEE, FL 32310 |
* | $ 435,710,000 | 1 | $ 92,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 326,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 157,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 165,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 74,000 |
| Gulf Winds Credit Union 220 E NINE MILE ROAD PENSACOLA, FL 32534 |
* | $ 532,942,000 | 1 | $ 155,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 97,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 190,000 |
The tables below break down 2015 mortgage applications in Liberty 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 Liberty 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 | 79 | $7,571,000 | $95,000 | $300,000 | $55,000 | $364,000 |
| Refinancing | 74 | $9,974,000 | $134,000 | $417,000 | $59,000 | $305,000 |
| Home Improvement | 17 | $666,000 | $39,000 | $165,000 | $54,000 | $117,000 |
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 | 133 | $14,545,000 | $109,000 | $417,000 | $60,000 | $305,000 |
| Not applicable | 12 | $1,421,000 | $118,000 | $326,000 | $4,000 | $48,000 |
| Not Provided | 11 | $958,000 | $87,000 | $157,000 | $55,000 | $135,000 |
| Black or African American | 9 | $672,000 | $74,000 | $117,000 | $78,000 | $364,000 |
| Hispanic | 2 | $184,000 | $92,000 | $110,000 | $66,000 | $78,000 |
| American Indian or Alaskan Native | 2 | $191,000 | $95,000 | $110,000 | $39,000 | $66,000 |
| Asian | 1 | $240,000 | $240,000 | $240,000 | $107,000 | $107,000 |
| 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) | 131 | $13,298,000 | $101,000 | $312,000 | $62,000 | $364,000 |
| FHA-insured (Federal Housing Administration) | 25 | $2,425,000 | $97,000 | $183,000 | $29,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,973,000 | $219,000 | $417,000 | $67,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $515,000 | $103,000 | $126,000 | $40,000 | $59,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 61 | $5,910,000 | $96,000 | $300,000 | $54,000 | $364,000 |
| Loan Originated | 51 | $5,899,000 | $115,000 | $417,000 | $71,000 | $280,000 |
| File Closed For Incompleteness | 25 | $2,244,000 | $89,000 | $277,000 | $55,000 | $305,000 |
| Loan Purchased By The Institution | 15 | $1,895,000 | $126,000 | $326,000 | $21,000 | $87,000 |
| Application Withdrawn By Applicant | 11 | $1,487,000 | $135,000 | $290,000 | $46,000 | $100,000 |
| Application Approved But Not Accepted | 7 | $776,000 | $110,000 | $240,000 | $74,000 | $116,000 |
| 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 | 9 | $578,000 | $64,000 | $128,000 | $61,000 | $95,000 |
| Collateral | 3 | $431,000 | $143,000 | $230,000 | $64,000 | $88,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $154,000 | $61,000 | $68,000 |
| Other | 1 | $81,000 | $81,000 | $81,000 | $13,000 | $13,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $100,000 | $100,000 | $100,000 | $98,000 | $98,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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