Liberty County, FL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 188 mortgage applications in Liberty County, FL totaling $27.2 million, down 10% from 2022. The average application was for $144,000, and applicants reported an average income of $75,000. 38% of applications resulted in an originated loan and 32% were denied. The most active lender was 21st Mortgage, with 38 applications, followed by Ameris Bank and Lakeview Loan Servicing, LLC.
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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 | 188 |
| Total Mortgage Loan Application Amount | $27,170,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $420,000 |
* 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 | 38 | $ 5,220,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 24,967,889,000 | 17 | $ 1,975,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 10 | $ 1,290,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 1,350,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 1,059,217,000 | 8 | $ 810,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,630,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 5 | $ 335,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 435,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 935,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 735,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 1,035,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 650,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 4,513,488,000 | 4 | $ 170,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,970,243,000 | 3 | $ 95,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 3 | $ 435,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 915,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 2 | $ 120,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 510,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 2 | $ 290,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 130,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 370,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 230,000 |
| Envision Credit Union 440 NORTH MONROE ST. TALLAHASSEE, FL 32301 |
* | $ 807,100,000 | 2 | $ 360,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ -1,000 | 2 | $ 200,000 |
| Smartbank 2430 TEASTER LANE PIGEON FORGE, TN 37863 |
* | $ 4,631,368,000 | 2 | $ 240,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 2 | $ 240,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 240,000 |
| Community South Credit Union 1044 US-90 CHIPLEY, FL 32428 |
* | $ 199,433,000 | 1 | $ 425,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 305,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 275,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 125,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 185,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 165,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ -1,000 | 1 | $ 385,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 35,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 515,000 |
| Campus USA Credit Union 14007 NW 1ST RD NEWBERRY, FL 32669 |
* | $ 3,029,797,000 | 1 | $ 65,000 |
| Space Coast Credit Union 8045 N. WICKHAM RD MELBOURNE, FL 32940 |
* | $ 8,543,984,000 | 1 | $ 105,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 255,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 145,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 632,992,000 | 1 | $ 145,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 235,000 |
| First Commerce Credit Union 107 E COLLEGE AVE TALLAHASSEE, FL 32317 |
* | $ 1,014,264,000 | 1 | $ 65,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ 1,386,120,000 | 1 | $ 245,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 125,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 395,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 245,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 205,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 781,550,000 | 1 | $ 65,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 1 | $ 105,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 155,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 175,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 25,000 |
The tables below break down 2023 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 2023
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 | 127 | $19,785,000 | $155,000 | $725,000 | $73,000 | $408,000 |
| Cash-out Refinancing | 26 | $4,480,000 | $172,000 | $515,000 | $81,000 | $175,000 |
| Other Purpose | 18 | $840,000 | $46,000 | $165,000 | $58,000 | $148,000 |
| Refinancing | 7 | $1,255,000 | $179,000 | $425,000 | $81,000 | $157,000 |
| Home Improvement | 7 | $605,000 | $86,000 | $155,000 | $131,000 | $420,000 |
| Not Applicable | 3 | $205,000 | $68,000 | $75,000 | $66,000 | $66,000 |
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 | 121 | $16,935,000 | $139,000 | $725,000 | $75,000 | $408,000 |
| Not Provided | 24 | $3,710,000 | $154,000 | $305,000 | $91,000 | $420,000 |
| Not applicable | 21 | $3,395,000 | $161,000 | $395,000 | $0 | $0 |
| Black or African American | 14 | $2,120,000 | $151,000 | $275,000 | $54,000 | $107,000 |
| Hispanic | 4 | $450,000 | $112,000 | $185,000 | $65,000 | $97,000 |
| American Indian or Alaskan Native | 4 | $560,000 | $140,000 | $185,000 | $54,000 | $61,000 |
| 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) | 128 | $15,790,000 | $123,000 | $725,000 | $77,000 | $420,000 |
| FHA-insured (Federal Housing Administration) | 36 | $6,070,000 | $168,000 | $325,000 | $63,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 20 | $4,220,000 | $211,000 | $515,000 | $72,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $1,090,000 | $272,000 | $395,000 | $104,000 | $138,000 |
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 | 72 | $10,470,000 | $145,000 | $725,000 | $78,000 | $408,000 |
| Application Denied By Financial Institution | 61 | $7,705,000 | $126,000 | $305,000 | $59,000 | $148,000 |
| Loan Purchased By The Institution | 21 | $3,395,000 | $161,000 | $395,000 | $0 | $0 |
| Application Withdrawn By Applicant | 15 | $2,515,000 | $167,000 | $515,000 | $113,000 | $420,000 |
| File Closed For Incompleteness | 13 | $1,965,000 | $151,000 | $265,000 | $82,000 | $140,000 |
| Application Approved But Not Accepted | 6 | $1,120,000 | $186,000 | $425,000 | $89,000 | $157,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 127 | $19,465,000 | $153,000 | $725,000 | $84,000 | $420,000 |
| Credit History | 30 | $4,110,000 | $137,000 | $235,000 | $66,000 | $148,000 |
| Debt-To-Income Ratio | 12 | $1,310,000 | $109,000 | $175,000 | $47,000 | $72,000 |
| Collateral | 9 | $1,115,000 | $123,000 | $305,000 | $57,000 | $90,000 |
| Other | 3 | $285,000 | $95,000 | $125,000 | $78,000 | $87,000 |
| Unverifiable Information | 3 | $375,000 | $125,000 | $195,000 | $46,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $125,000 | $30,000 | $34,000 |
| Credit Application Incomplete | 2 | $330,000 | $165,000 | $205,000 | $50,000 | $62,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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