Washington County, FL Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,219 mortgage applications in Washington County, FL totaling $232.8 million, up 4% from 2024. The average application was for $190,000, and applicants reported an average income of $95,000. 39% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 146 applications, followed by Inspire Home Loans Inc. and United Wholesale Mortgage.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Florida.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,219
Total Mortgage Loan Application Amount $232,775,000
Average Mortgage Loan Application Amount $190,000
Highest Mortgage Loan Application Amount $835,000
Average Applicant Income $95,000
Highest Applicant Income $1,392,000

Mortgage Company List for Lending in Washington County, FL for 2025

* 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 146 $ 24,550,000
Inspire Home Loans Inc.
4695 MACARTHUR COURT SUITE 350
NEWPORT BEACH, CA 92660
* $ n/a 93 $ 19,055,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 54 $ 11,950,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 52 $ 12,400,000
Community South Credit Union
1044 US-90
CHIPLEY, FL 32428
* $ n/a 48 $ 6,070,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 40 $ 10,130,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 39 $ 4,395,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ n/a 38 $ 4,380,000
Innovations Financial Credit Union
910 THOMAS DRIVE
PANAMA CITY, FL 32408
* $ n/a 37 $ 5,775,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 34 $ 7,420,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 33 $ 4,285,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 20 $ 3,200,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 20 $ 4,500,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 20 $ 4,630,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 18 $ 3,750,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 4,290,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 18 $ 4,040,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 17 $ 4,565,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 17 $ 3,735,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 16 $ 1,920,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 16 $ 4,090,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 16 $ 2,790,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 13 $ 615,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 12 $ 2,270,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 11 $ 2,985,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 10 $ 2,300,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 10 $ 2,300,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 9 $ 1,195,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 1,085,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 8 $ 2,050,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 7 $ 1,145,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 7 $ 1,115,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 7 $ 1,505,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 7 $ 305,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 6 $ 670,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 6 $ 1,080,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 6 $ 1,340,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 6 $ 430,000
Five Star Credit Union
411 N FOSTER ST
DOTHAN, AL 36302
* $ n/a 5 $ 1,175,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 5 $ 1,115,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 1,085,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 5 $ 1,085,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 5 $ 575,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 5 $ 1,275,000
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ n/a 4 $ 540,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 4 $ 560,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 4 $ 440,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 4 $ 850,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 910,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 4 $ 730,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 810,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 4 $ 840,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 4 $ 2,040,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ n/a 4 $ 1,020,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 3 $ 305,000
Peoplessouth Bank
203 W CRAWFORD ST
COLQUITT, GA 39837
* $ n/a 3 $ 505,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 3 $ 895,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 3 $ 1,055,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 3 $ 155,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 3 $ 535,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 3 $ 175,000
Panhandle Credit Union
2718 MARTIN LUTHER KING JR BLVD
PANAMA CITY, FL 32405
* $ n/a 3 $ 615,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 475,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ n/a 3 $ 605,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 3 $ 255,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 525,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 3 $ 845,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ n/a 2 $ 920,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 120,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 490,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 140,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 1,020,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 350,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 2 $ 420,000
Florida Credit Union
PO BOX 5549
GAINESVILLE, FL 32627
* $ n/a 2 $ 120,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 380,000
Space Coast Credit Union
8045 N. WICKHAM RD
MELBOURNE, FL 32940
* $ n/a 2 $ 770,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 500,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 2 $ 580,000
Hancock Whitney Bank
2510 14TH STREET
GULFPORT, MS 39501
* $ n/a 2 $ 310,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 2 $ 230,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 170,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 200,000
Hnb First Bank
P.O. BOX 157 / 40 MAIN STREET
HEADLAND, AL 36345
* $ n/a 2 $ 520,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 2 $ 530,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 430,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 2 $ 390,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 270,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 410,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 2 $ 610,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 480,000
Midflorida Credit Union
3004 S FLORIDA AVE
LAKELAND, FL 33801
* $ n/a 2 $ 80,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 105,000
Friend Bank
220 E LAWRENCE HARRIS HWY
SLOCOMB, AL 36375
* $ n/a 1 $ 465,000
Seacoast National Bank
815 S COLORADO AVE
MIAMI, FL 34994
* $ n/a 1 $ 365,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ n/a 1 $ 365,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 505,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 245,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 195,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 1 $ 145,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 215,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 265,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 405,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 1 $ 285,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 265,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 155,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 255,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 195,000
First National Bank of Hartford
P.O. BOX 129
HARTFORD, AL 36344
* $ n/a 1 $ 55,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 375,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 395,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ n/a 1 $ 305,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 255,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 265,000
Acre Mortgage & Financial, Inc.
70 EAST MAIN STREET
MARLTON, NJ 08053
* $ n/a 1 $ 235,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 1 $ 255,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 1 $ 125,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ n/a 1 $ 105,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 685,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ n/a 1 $ 185,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 115,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 365,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 45,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 75,000
Addition Financial Credit Union
1000 PRIMERA BLVD
LAKE MARY, FL 32746
* $ n/a 1 $ 335,000
Inova Federal Credit Union
358 S ELKHART AVENUE
ELKHART, IN 46516
* $ n/a 1 $ 55,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 205,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 115,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 275,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 765,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 425,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 385,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ n/a 1 $ 105,000
Ccb Community Bank
225 E THREE NOTCH STREET
ANDALUSIA, AL 36420
* $ n/a 1 $ 265,000
Publix Employees Federal Credit Union
3005 NEW TAMPA HWY
LAKELAND, FL 33802
* $ n/a 1 $ 835,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 145,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ n/a 1 $ 45,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 225,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 1 $ 55,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ n/a 1 $ 345,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 75,000
Credence Funding Corporation
1200 TECHNOLOGY DR SUITE A
ABERDEEN, MD 21001
* $ n/a 1 $ 315,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 215,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 295,000
Calhoun Liberty Credit Union
16076 STATE ROAD 71 S
BLOUNTSTOWN, FL 32424
* $ n/a 1 $ 155,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 235,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 335,000
One Florida Bank
1601 S ORANGE AVE
ORLANDO, FL 32806
* $ n/a 1 $ 175,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 65,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 655,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 55,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 1 $ 175,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ n/a 1 $ 255,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 385,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ n/a 1 $ 95,000

The tables below break down 2025 mortgage applications in Washington 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 Washington 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 756 $161,220,000 $213,000 $835,000 $94,000 $1,392,000
Cash-out Refinancing 173 $29,155,000 $168,000 $765,000 $92,000 $1,332,000
Refinancing 126 $28,680,000 $227,000 $635,000 $106,000 $491,000
Other Purpose 98 $8,320,000 $84,000 $275,000 $94,000 $393,000
Home Improvement 63 $4,925,000 $78,000 $305,000 $96,000 $313,000
Not Applicable 3 $475,000 $158,000 $205,000 $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 807 $150,305,000 $186,000 $835,000 $97,000 $1,392,000
Not Provided 139 $28,795,000 $207,000 $805,000 $90,000 $447,000
Not applicable 122 $26,340,000 $215,000 $765,000 $140,000 $276,000
Black or African American 68 $11,080,000 $162,000 $385,000 $69,000 $193,000
Hispanic 54 $11,170,000 $206,000 $435,000 $103,000 $440,000
American Indian or Alaskan Native 15 $2,195,000 $146,000 $315,000 $90,000 $393,000
Asian 8 $1,470,000 $183,000 $325,000 $68,000 $179,000
Native Hawaiian or Other Pacific Islander 6 $1,420,000 $236,000 $295,000 $56,000 $100,000

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) 703 $114,105,000 $162,000 $835,000 $102,000 $1,392,000
FHA-insured (Federal Housing Administration) 303 $64,515,000 $212,000 $485,000 $76,000 $302,000
VA-guaranteed (Veterans Administration) 174 $45,900,000 $263,000 $765,000 $97,000 $440,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $8,255,000 $211,000 $305,000 $64,000 $109,000

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 480 $98,150,000 $204,000 $805,000 $103,000 $1,392,000
Application Denied By Financial Institution 279 $45,055,000 $161,000 $835,000 $77,000 $1,036,000
Application Withdrawn By Applicant 180 $36,530,000 $202,000 $645,000 $96,000 $456,000
Loan Purchased By The Institution 123 $26,355,000 $214,000 $765,000 $119,000 $276,000
File Closed For Incompleteness 98 $17,720,000 $180,000 $575,000 $100,000 $1,332,000
Application Approved But Not Accepted 56 $8,410,000 $150,000 $385,000 $94,000 $325,000
Preapproval Approved but not Accepted 2 $360,000 $180,000 $215,000 $72,000 $111,000
Preapproval Denied by Financial Institution 1 $195,000 $195,000 $195,000 $58,000 $58,000

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 928 $185,140,000 $199,000 $805,000 $101,000 $1,392,000
Debt-To-Income Ratio 101 $17,735,000 $175,000 $655,000 $61,000 $180,000
Credit History 85 $12,205,000 $143,000 $365,000 $83,000 $1,036,000
Other 31 $5,005,000 $161,000 $835,000 $92,000 $335,000
Collateral 29 $5,425,000 $187,000 $715,000 $104,000 $290,000
Credit Application Incomplete 20 $3,160,000 $158,000 $285,000 $95,000 $302,000
Unverifiable Information 12 $1,610,000 $134,000 $215,000 $74,000 $147,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,730,000 $173,000 $245,000 $79,000 $129,000
Employment History 3 $765,000 $255,000 $295,000 $59,000 $68,000
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.

Download the Florida Lender List