Union County, FL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 251 mortgage applications in Union County, FL totaling $27.0 million, up 9% from 2011. The average application was for $107,000, and applicants reported an average income of $56,000. 35% of applications resulted in an originated loan and 37% were denied. The most active lender was Wells Fargo Bank NA, with 31 applications, followed by First Federal Bank and TD Bank.
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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 | 251 |
| Total Mortgage Loan Application Amount | $26,996,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $329,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $604,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 31 | $ 4,089,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 31 | $ 3,935,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 20 | $ 1,442,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 991,000 |
| Vystar Credit Union 4949 BLANDING BLVD JACKSONVILLE, FL 32202 |
* | $ 4,389,883,000 | 15 | $ 1,538,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 12 | $ 861,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 10 | $ 1,264,000 |
| Alarion Bank 2510 SE MARICAMP ROAD OCALA, FL 34471 |
* | $ 283,974,000 | 9 | $ 1,135,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 8 | $ 525,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 448,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 6 | $ 538,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 707,000 |
| Florida Credit Union PO BOX 5549 GAINESVILLE, FL 32627 |
* | $ 459,527,000 | 5 | $ 302,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 5 | $ 627,000 |
| Campus USA Credit Union 14007 NW 1ST RD NEWBERRY, FL 32669 |
* | $ 1,080,639,000 | 4 | $ 173,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 379,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 3 | $ 96,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 174,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 174,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,291,705,000 | 2 | $ 115,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 307,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 475,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 344,000 |
| 1st Credit Union of Gainesvill 412 EAST UNIVERSITY AVENUE GAINESVILLE, FL 32601 |
* | $ 46,611,000 | 2 | $ 300,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 23,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 388,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 350,000 |
| Direct Lenders, Llc. 1600 KENNESAW DUE WEST ROAD SUITE 610 KENNESAW, GA 30152 |
* | $ 1,250,000 | 1 | $ 226,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 148,000 |
| Provident Funding Group Inc 851 TRAEGER AVENUE, SUITE 100 SAN BRUNO, CA 94066 |
* | $ 2,200,000,000 | 1 | $ 50,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 85,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,617,318,000 | 1 | $ 112,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 165,219,000 | 1 | $ 182,000 |
| Fl. Dept. of Transportation Credit Union 640 E GAINES ST TALLAHASSEE, FL 32301 |
* | $ 45,959,000 | 1 | $ 148,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,788,680,000 | 1 | $ 46,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 158,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 341,507,000 | 1 | $ 199,000 |
| Homebanc, N.A. 3704 W. LAKE MARY BLVD LAKE MARY, FL 32746 |
* | $ 450,789,000 | 1 | $ 189,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 71,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 1 | $ 62,000 |
| Bankers Mortgage Lending, Inc. 1300 SAWGRASS CORPORATE PARKWAY, STE130 SUNRISE, FL 33323 |
* | $ 1,281,000 | 1 | $ 97,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 64,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 205,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 177,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 1 | $ 138,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 92,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 176,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 135,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 43,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 221,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 104,000 |
The tables below break down 2012 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 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 118 | $15,521,000 | $131,000 | $329,000 | $71,000 | $604,000 |
| Home Purchase | 110 | $10,553,000 | $95,000 | $260,000 | $44,000 | $161,000 |
| Home Improvement | 23 | $922,000 | $40,000 | $232,000 | $35,000 | $124,000 |
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 | 203 | $22,025,000 | $108,000 | $295,000 | $60,000 | $604,000 |
| Not Provided | 18 | $2,284,000 | $126,000 | $329,000 | $61,000 | $198,000 |
| Not applicable | 14 | $1,370,000 | $97,000 | $234,000 | $0 | $0 |
| Black or African American | 11 | $983,000 | $89,000 | $173,000 | $51,000 | $85,000 |
| Hispanic | 2 | $217,000 | $108,000 | $124,000 | $54,000 | $75,000 |
| American Indian or Alaskan Native | 2 | $112,000 | $56,000 | $102,000 | $56,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $5,000 | $5,000 | $5,000 | $39,000 | $39,000 |
| Asian | 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) | 169 | $16,617,000 | $98,000 | $329,000 | $61,000 | $604,000 |
| FHA-insured (Federal Housing Administration) | 50 | $5,840,000 | $116,000 | $232,000 | $42,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,819,000 | $113,000 | $192,000 | $46,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,720,000 | $170,000 | $234,000 | $60,000 | $288,000 |
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 | 93 | $8,240,000 | $88,000 | $295,000 | $54,000 | $604,000 |
| Loan Originated | 87 | $10,539,000 | $121,000 | $329,000 | $70,000 | $288,000 |
| Loan Purchased By The Institution | 25 | $2,888,000 | $115,000 | $234,000 | $26,000 | $96,000 |
| Application Withdrawn By Applicant | 25 | $3,051,000 | $122,000 | $226,000 | $54,000 | $151,000 |
| Application Approved But Not Accepted | 14 | $1,368,000 | $97,000 | $221,000 | $44,000 | $126,000 |
| File Closed For Incompleteness | 7 | $910,000 | $130,000 | $167,000 | $44,000 | $85,000 |
| 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 | 38 | $2,451,000 | $64,000 | $284,000 | $54,000 | $604,000 |
| Debt-To-Income Ratio | 17 | $1,589,000 | $93,000 | $225,000 | $31,000 | $76,000 |
| Collateral | 14 | $1,858,000 | $132,000 | $285,000 | $81,000 | $387,000 |
| Other | 6 | $490,000 | $81,000 | $210,000 | $41,000 | $105,000 |
| Credit Application Incomplete | 3 | $299,000 | $99,000 | $155,000 | $39,000 | $57,000 |
| Unverifiable Information | 2 | $201,000 | $100,000 | $190,000 | $96,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $36,000 | $36,000 | $36,000 | $27,000 | $27,000 |
| 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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