Union County, FL Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 400 mortgage applications in Union County, FL totaling $77.4 million, up 4% from 2024. The average application was for $193,000, and applicants reported an average income of $108,000. 43% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 70 applications, followed by Florida Credit Union and Vystar Credit Union.
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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 | 400 |
| Total Mortgage Loan Application Amount | $77,430,000 |
| Average Mortgage Loan Application Amount | $193,000 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $2,075,000 |
* 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 | 70 | $ 11,830,000 |
| Florida Credit Union PO BOX 5549 GAINESVILLE, FL 32627 |
* | $ n/a | 37 | $ 4,455,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ n/a | 24 | $ 3,190,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 3,210,000 |
| Campus USA Credit Union 14007 NW 1ST RD NEWBERRY, FL 32669 |
* | $ n/a | 10 | $ 1,460,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 2,540,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ n/a | 9 | $ 2,575,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 9 | $ 1,645,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ n/a | 8 | $ 1,020,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 8 | $ 1,800,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 2,435,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 7 | $ 1,615,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 905,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 6 | $ 1,450,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 1,460,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 6 | $ 1,590,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 635,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 1,455,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 5 | $ 805,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 1,985,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 1,035,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 590,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 770,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ n/a | 4 | $ 210,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 740,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 4 | $ 820,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 4 | $ 500,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 375,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 765,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 195,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 435,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 160,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 340,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 2 | $ 680,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 180,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 300,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 240,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 490,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 790,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 450,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 2 | $ 810,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 590,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 320,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 580,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 2 | $ 190,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ n/a | 2 | $ 430,000 |
| Genway Home Mortgage, Inc. 3211 INTERNET BOULEVARD, SUITE 300 FRISCO, TX 75034 |
* | $ n/a | 2 | $ 280,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ n/a | 2 | $ 760,000 |
| Community First Credit Union of Florida 637 N. LEE STREET JACKSONVILLE, FL 32204 |
* | $ n/a | 2 | $ 130,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 510,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 540,000 |
| Seacoast National Bank 815 S COLORADO AVE MIAMI, FL 34994 |
* | $ n/a | 1 | $ 175,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 25,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 305,000 |
| Mortgage Lenders Investment Tr 1400 INTERNATIONAL PARKWAY SOUTH SUITE 1000 LAKE MARY LAKE MARY, FL 32746 |
* | $ n/a | 1 | $ 245,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 315,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 245,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 325,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 195,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 125,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ n/a | 1 | $ 515,000 |
| Tropical Financial Credit Union 3050 CORPORATE WAY MIRAMAR, FL 33025 |
* | $ n/a | 1 | $ 85,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 85,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 725,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 405,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ n/a | 1 | $ 305,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 75,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 165,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 215,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 275,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 345,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 295,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 285,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 65,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 235,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ n/a | 1 | $ 195,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 265,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ n/a | 1 | $ 255,000 |
| Usf Credit Union 13101 TELECOM PARK DRIVE SUITE 100 TEMPLE TERRACE, FL 33637 |
* | $ n/a | 1 | $ 45,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 305,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 185,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 235,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 355,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 425,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 215,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 335,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ n/a | 1 | $ 245,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 235,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 115,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 75,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 355,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 355,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 355,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 155,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 225,000 |
The tables below break down 2025 mortgage applications in Union 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 Union County, FL in 2025
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 | 209 | $43,815,000 | $209,000 | $535,000 | $98,000 | $259,000 |
| Cash-out Refinancing | 69 | $14,555,000 | $210,000 | $725,000 | $94,000 | $274,000 |
| Refinancing | 50 | $12,160,000 | $243,000 | $485,000 | $121,000 | $302,000 |
| Other Purpose | 43 | $3,325,000 | $77,000 | $225,000 | $123,000 | $1,968,000 |
| Home Improvement | 27 | $2,985,000 | $110,000 | $515,000 | $177,000 | $2,075,000 |
| Not Applicable | 2 | $590,000 | $295,000 | $385,000 | $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 | 268 | $49,530,000 | $184,000 | $535,000 | $112,000 | $2,075,000 |
| Not Provided | 54 | $11,210,000 | $207,000 | $675,000 | $88,000 | $322,000 |
| Not applicable | 26 | $6,950,000 | $267,000 | $725,000 | $0 | $0 |
| Hispanic | 25 | $5,055,000 | $202,000 | $385,000 | $126,000 | $237,000 |
| Black or African American | 20 | $3,400,000 | $170,000 | $725,000 | $75,000 | $308,000 |
| American Indian or Alaskan Native | 7 | $1,285,000 | $183,000 | $385,000 | $100,000 | $150,000 |
| 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) | 268 | $42,060,000 | $156,000 | $535,000 | $112,000 | $2,075,000 |
| FHA-insured (Federal Housing Administration) | 86 | $21,350,000 | $248,000 | $515,000 | $82,000 | $195,000 |
| VA-guaranteed (Veterans Administration) | 46 | $14,020,000 | $304,000 | $725,000 | $129,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 171 | $35,565,000 | $207,000 | $725,000 | $121,000 | $2,075,000 |
| Application Denied By Financial Institution | 100 | $16,170,000 | $161,000 | $515,000 | $101,000 | $1,968,000 |
| Application Withdrawn By Applicant | 47 | $8,955,000 | $190,000 | $675,000 | $86,000 | $191,000 |
| File Closed For Incompleteness | 33 | $5,905,000 | $178,000 | $405,000 | $99,000 | $308,000 |
| Loan Purchased By The Institution | 29 | $7,605,000 | $262,000 | $725,000 | $102,000 | $102,000 |
| Application Approved But Not Accepted | 14 | $2,170,000 | $155,000 | $295,000 | $107,000 | $237,000 |
| Preapproval Denied by Financial Institution | 6 | $1,060,000 | $176,000 | $205,000 | $73,000 | $108,000 |
| 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 | 294 | $60,200,000 | $204,000 | $725,000 | $111,000 | $2,075,000 |
| Credit History | 34 | $5,650,000 | $166,000 | $485,000 | $93,000 | $242,000 |
| Debt-To-Income Ratio | 32 | $5,750,000 | $179,000 | $515,000 | $60,000 | $143,000 |
| Collateral | 14 | $1,310,000 | $93,000 | $325,000 | $80,000 | $168,000 |
| Credit Application Incomplete | 11 | $2,015,000 | $183,000 | $305,000 | $92,000 | $131,000 |
| Other | 9 | $1,405,000 | $156,000 | $325,000 | $466,000 | $1,968,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $710,000 | $177,000 | $255,000 | $93,000 | $108,000 |
| Unverifiable Information | 2 | $390,000 | $195,000 | $265,000 | $85,000 | $120,000 |
| 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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