Liberty County, FL Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 257 mortgage applications in Liberty County, FL totaling $37.9 million, up 11% from 2020. The average application was for $147,000, and applicants reported an average income of $68,000. 46% of applications resulted in an originated loan and 20% were denied. The most active lender was 21st Mortgage, with 42 applications, followed by Ameris Bank and Nationstar 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 | 257 |
| Total Mortgage Loan Application Amount | $37,875,000 |
| Average Mortgage Loan Application Amount | $147,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $481,000 |
* 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 | 42 | $ 5,120,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 18,156,981,000 | 20 | $ 3,220,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,020,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 8 | $ 780,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,265,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 7 | $ 495,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 1,060,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 6 | $ 930,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 970,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,090,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,634,283,000 | 5 | $ 785,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 5 | $ 755,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 5 | $ 725,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 530,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 660,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 510,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 15,015,801,000 | 4 | $ 410,000 |
| Community South Credit Union 1044 US-90 CHIPLEY, FL 32428 |
* | $ -1,000 | 3 | $ 385,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 745,000 |
| First Commerce Credit Union 107 E COLLEGE AVE TALLAHASSEE, FL 32317 |
* | $ 615,519,000 | 3 | $ 355,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 2 | $ 300,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 280,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 2 | $ 180,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 460,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 90,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 190,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 210,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 200,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 670,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,888,189,000 | 2 | $ 160,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 440,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 500,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 580,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 2 | $ 570,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ -1,000 | 2 | $ 140,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 310,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 145,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 185,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 3,080,900,000 | 1 | $ 35,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| Envision Credit Union 440 NORTH MONROE ST. TALLAHASSEE, FL 32301 |
* | $ 627,979,000 | 1 | $ 125,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 275,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 175,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 125,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 6,051,860,000 | 1 | $ 125,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 145,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 115,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 185,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 225,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 105,000 |
| Suncoast Credit Union 6801 E HILLSBOROUGH AVE TAMPA, FL 33610 |
* | $ 10,534,614,000 | 1 | $ 105,000 |
| 1st Reliant Home Loans, Inc. 575 ANTON BLVD #800 COSTA MESA, CA 92626 |
* | $ -1,000 | 1 | $ 175,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 275,000 |
| Hancock Mortgage Partners, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 1 | $ 115,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 295,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 185,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 275,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 30,597,146,000 | 1 | $ 175,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 175,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 105,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 1 | $ 145,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ 2,205,234,000 | 1 | $ 105,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 165,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 205,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 105,000 |
| Red Canoe Credit Union 1418 15TH AVE LONGVIEW, WA 98632 |
* | $ 840,265,000 | 1 | $ 145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 65,000 |
| Innovations Financial Credit Union 910 THOMAS DRIVE PANAMA CITY, FL 32408 |
* | $ 253,639,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 175,000 |
| Florida Credit Union PO BOX 5549 GAINESVILLE, FL 32627 |
* | $ 1,266,314,000 | 1 | $ 125,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 85,000 |
The tables below break down 2021 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 2021
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 | 139 | $20,265,000 | $145,000 | $405,000 | $63,000 | $291,000 |
| Refinancing | 67 | $10,135,000 | $151,000 | $595,000 | $75,000 | $481,000 |
| Cash-out Refinancing | 39 | $6,605,000 | $169,000 | $365,000 | $82,000 | $203,000 |
| Home Improvement | 9 | $655,000 | $72,000 | $125,000 | $53,000 | $95,000 |
| Other Purpose | 2 | $180,000 | $90,000 | $105,000 | $41,000 | $42,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 176 | $27,050,000 | $153,000 | $595,000 | $72,000 | $481,000 |
| Not Provided | 37 | $5,495,000 | $148,000 | $255,000 | $68,000 | $136,000 |
| Hispanic | 17 | $2,135,000 | $125,000 | $335,000 | $42,000 | $99,000 |
| Not applicable | 13 | $1,765,000 | $135,000 | $275,000 | $0 | $0 |
| Black or African American | 12 | $1,170,000 | $97,000 | $225,000 | $49,000 | $73,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $89,000 | $89,000 |
| 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) | 170 | $23,530,000 | $138,000 | $595,000 | $72,000 | $481,000 |
| FHA-insured (Federal Housing Administration) | 47 | $7,975,000 | $169,000 | $335,000 | $57,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,155,000 | $166,000 | $335,000 | $62,000 | $203,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,215,000 | $135,000 | $185,000 | $48,000 | $71,000 |
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 | 117 | $18,375,000 | $157,000 | $595,000 | $77,000 | $481,000 |
| Application Denied By Financial Institution | 51 | $7,165,000 | $140,000 | $335,000 | $48,000 | $116,000 |
| Application Withdrawn By Applicant | 29 | $3,795,000 | $130,000 | $275,000 | $58,000 | $108,000 |
| File Closed For Incompleteness | 28 | $3,640,000 | $130,000 | $235,000 | $73,000 | $203,000 |
| Loan Purchased By The Institution | 16 | $2,530,000 | $158,000 | $405,000 | $146,000 | $291,000 |
| Application Approved But Not Accepted | 15 | $2,245,000 | $149,000 | $335,000 | $65,000 | $175,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $46,000 | $46,000 |
| Preapproval Approved but not Accepted | 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 | 201 | $30,135,000 | $149,000 | $595,000 | $74,000 | $481,000 |
| Debt-To-Income Ratio | 20 | $3,100,000 | $155,000 | $335,000 | $50,000 | $142,000 |
| Credit History | 18 | $1,990,000 | $110,000 | $185,000 | $51,000 | $95,000 |
| Collateral | 6 | $720,000 | $120,000 | $155,000 | $60,000 | $108,000 |
| Credit Application Incomplete | 5 | $775,000 | $155,000 | $255,000 | $46,000 | $54,000 |
| Other | 3 | $585,000 | $195,000 | $265,000 | $55,000 | $74,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $445,000 | $148,000 | $205,000 | $57,000 | $95,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $46,000 | $46,000 |
| 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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