Liberty County, FL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 200 mortgage applications in Liberty County, FL totaling $22.5 million, up 18% from 2015. The average application was for $112,000, and applicants reported an average income of $54,000. 33% of applications resulted in an originated loan and 34% were denied. The most active lender was 21st Mortgage, with 28 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 | 200 |
| Total Mortgage Loan Application Amount | $22,493,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $439,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $360,000 |
| 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 | 28 | $ 2,007,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 21 | $ 2,006,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 21 | $ 1,720,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 17 | $ 2,613,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 10 | $ 1,333,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 9,264,881,000 | 10 | $ 1,489,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 7 | $ 995,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 707,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 6 | $ 828,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 4 | $ 450,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 553,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,778,676,000 | 3 | $ 344,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 3 | $ 435,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 177,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 474,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 2 | $ 172,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 716,045,000 | 2 | $ 27,000 |
| Gulf Winds Credit Union 220 E NINE MILE ROAD PENSACOLA, FL 32534 |
* | $ 565,120,000 | 2 | $ 376,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ 716,883,000 | 2 | $ 175,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 2 | $ 397,000 |
| Envision Credit Union 440 NORTH MONROE ST. TALLAHASSEE, FL 32301 |
* | $ 307,575,000 | 2 | $ 47,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 177,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 205,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,216,928,000 | 2 | $ 273,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 2 | $ 288,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 321,000 |
| Farmers & Merchants Bank 200 E. WASHINGTON STREET MONTICELLO, FL 32344 |
* | $ 432,521,000 | 2 | $ 80,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 10,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 187,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 224,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 12,356,237,000 | 1 | $ 30,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 35,000 |
| United Nations Federal CU 24-01 44TH ROAD 7TH FLOOR LONG ISLAND CITY, NY 11101 |
* | $ 4,357,292,000 | 1 | $ 80,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 52,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ 133,851,000 | 1 | $ 133,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 88,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 119,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 90,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 164,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 143,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 176,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 1 | $ 159,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 99,000 |
The tables below break down 2016 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 2016
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 | 107 | $11,032,000 | $103,000 | $305,000 | $48,000 | $112,000 |
| Refinancing | 79 | $10,930,000 | $138,000 | $439,000 | $62,000 | $360,000 |
| Home Improvement | 14 | $531,000 | $37,000 | $165,000 | $55,000 | $112,000 |
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 | 150 | $17,328,000 | $115,000 | $439,000 | $59,000 | $360,000 |
| Not Provided | 19 | $2,074,000 | $109,000 | $305,000 | $52,000 | $88,000 |
| Black or African American | 13 | $959,000 | $73,000 | $200,000 | $37,000 | $95,000 |
| American Indian or Alaskan Native | 9 | $1,059,000 | $117,000 | $152,000 | $49,000 | $104,000 |
| Not applicable | 8 | $954,000 | $119,000 | $333,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 1 | $119,000 | $119,000 | $119,000 | $55,000 | $55,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 137 | $13,749,000 | $100,000 | $349,000 | $56,000 | $360,000 |
| FHA-insured (Federal Housing Administration) | 37 | $4,423,000 | $119,000 | $270,000 | $42,000 | $106,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,568,000 | $178,000 | $439,000 | $66,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $753,000 | $125,000 | $148,000 | $40,000 | $65,000 |
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 | 69 | $6,711,000 | $97,000 | $349,000 | $51,000 | $360,000 |
| Loan Originated | 66 | $8,556,000 | $129,000 | $439,000 | $61,000 | $198,000 |
| File Closed For Incompleteness | 25 | $1,922,000 | $76,000 | $112,000 | $44,000 | $87,000 |
| Application Withdrawn By Applicant | 17 | $2,022,000 | $118,000 | $270,000 | $64,000 | $114,000 |
| Loan Purchased By The Institution | 15 | $2,256,000 | $150,000 | $438,000 | $36,000 | $156,000 |
| Application Approved But Not Accepted | 8 | $1,026,000 | $128,000 | $198,000 | $58,000 | $153,000 |
| 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 | 6 | $484,000 | $80,000 | $200,000 | $55,000 | $95,000 |
| Collateral | 4 | $505,000 | $126,000 | $270,000 | $53,000 | $106,000 |
| Credit Application Incomplete | 2 | $209,000 | $104,000 | $127,000 | $79,000 | $93,000 |
| Employment History | 2 | $189,000 | $94,000 | $109,000 | $26,000 | $53,000 |
| Other | 2 | $223,000 | $111,000 | $125,000 | $57,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $224,000 | $224,000 | $224,000 | $78,000 | $78,000 |
| Debt-To-Income Ratio | 1 | $35,000 | $35,000 | $35,000 | $104,000 | $104,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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