Wildwood-The Villages, FL Metro Area Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 9,509 mortgage applications in Wildwood-The Villages, FL metro area totaling $2.6 billion, up 33% from 2024. The average application was for $272,032, and applicants reported an average income of $142,015. 61% of applications resulted in an originated loan and 11% were denied. The most active lender was Citizens First Bank, with 2,523 applications, followed by United Wholesale Mortgage and PennyMac Loan Services LLC.
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| Years | 2025 2024 |
| Total Number of Mortgage Applications | 9,509 |
| Total Mortgage Loan Application Amount | $2,586,755,000 |
| Average Mortgage Loan Application Amount | $272,032 |
| Highest Mortgage Loan Application Amount | $55,005,000 |
| Average Applicant Income | $142,015 |
| Highest Applicant Income | $8,005,000 |
Top Mortgage Lenders in Wildwood-The Villages, FL Metro Area (2025)
Ranked by the number of mortgage applications each lender reported in Wildwood-The Villages, FL metro area in 2025.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Citizens First Bank The Villages, FL |
2,523 | $700,355,000 | $277,000 | $169,000 |
| 2 | United Wholesale Mortgage Plymouth, MI |
433 | $128,435,000 | $296,000 | $121,000 |
| 3 | PennyMac Loan Services LLC Westlake Village, CA |
284 | $88,620,000 | $312,000 | $140,000 |
| 4 | JPMorgan Chase Bank, NA Columbus, OH |
204 | $44,720,000 | $219,000 | $146,000 |
| 5 | Union Home Mortgage Corp. Strongsville, OH |
192 | $63,470,000 | $330,000 | $152,000 |
| 6 | DHI Mortgage Company, Ltd. Austin, TX |
185 | $52,345,000 | $282,000 | $96,000 |
| 7 | Truist Bank Raleigh, NC |
161 | $37,165,000 | $230,000 | $137,000 |
| 8 | Bank of America NA Westlake Village, CA |
151 | $34,535,000 | $228,000 | $124,000 |
| 9 | Navy Federal Credit Union Vienna, VA |
146 | $37,910,000 | $259,000 | $133,000 |
| 10 | Mortgage Research Center Columbia, MO |
142 | $51,410,000 | $362,000 | $133,000 |
See every lender active in Wildwood-The Villages, FL metro area in 2025 »
The tables below break down 2025 mortgage applications in Wildwood-The Villages, FL metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Wildwood-The Villages, 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 | 6,302 | $1,981,590,000 | $314,000 | $55,005,000 | $156,000 | $8,005,000 |
| Cash-out Refinancing | 1,030 | $239,900,000 | $232,000 | $2,755,000 | $109,000 | $3,176,000 |
| Other Purpose | 876 | $102,040,000 | $116,000 | $1,685,000 | $114,000 | $4,850,000 |
| Refinancing | 703 | $194,415,000 | $276,000 | $2,205,000 | $122,000 | $1,192,000 |
| Home Improvement | 592 | $68,310,000 | $115,000 | $975,000 | $123,000 | $1,737,000 |
| Not Applicable | 6 | $500,000 | $83,000 | $185,000 | $87,000 | $87,000 |
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 | 6,794 | $1,774,240,000 | $261,000 | $2,155,000 | $143,000 | $4,850,000 |
| Not Provided | 1,057 | $283,515,000 | $268,000 | $2,625,000 | $154,000 | $4,080,000 |
| Not applicable | 784 | $313,170,000 | $399,000 | $55,005,000 | $123,000 | $581,000 |
| Hispanic | 532 | $130,050,000 | $244,000 | $975,000 | $127,000 | $8,005,000 |
| Black or African American | 193 | $44,975,000 | $233,000 | $765,000 | $122,000 | $4,000,000 |
| Asian | 109 | $31,145,000 | $285,000 | $765,000 | $155,000 | $609,000 |
| American Indian or Alaskan Native | 35 | $8,355,000 | $238,000 | $755,000 | $121,000 | $431,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,305,000 | $261,000 | $565,000 | $212,000 | $462,000 |
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) | 7,617 | $2,007,315,000 | $263,000 | $55,005,000 | $151,000 | $8,005,000 |
| FHA-insured (Federal Housing Administration) | 966 | $247,840,000 | $256,000 | $865,000 | $86,000 | $3,703,000 |
| VA-guaranteed (Veterans Administration) | 877 | $318,465,000 | $363,000 | $1,805,000 | $115,000 | $478,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $13,135,000 | $268,000 | $365,000 | $82,000 | $116,000 |
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 | 5,763 | $1,678,455,000 | $291,000 | $55,005,000 | $151,000 | $4,850,000 |
| Application Withdrawn By Applicant | 1,373 | $372,785,000 | $271,000 | $1,005,000 | $152,000 | $8,005,000 |
| Application Denied By Financial Institution | 1,062 | $211,960,000 | $199,000 | $2,755,000 | $97,000 | $2,353,000 |
| Loan Purchased By The Institution | 782 | $216,590,000 | $276,000 | $1,655,000 | $128,000 | $581,000 |
| File Closed For Incompleteness | 318 | $66,700,000 | $209,000 | $1,755,000 | $122,000 | $4,080,000 |
| Application Approved But Not Accepted | 195 | $35,865,000 | $183,000 | $735,000 | $122,000 | $1,720,000 |
| Preapproval Approved but not Accepted | 11 | $3,395,000 | $308,000 | $585,000 | $102,000 | $177,000 |
| Preapproval Denied by Financial Institution | 5 | $1,005,000 | $201,000 | $455,000 | $105,000 | $192,000 |
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 | 8,390 | $2,355,260,000 | $280,000 | $55,005,000 | $148,000 | $8,005,000 |
| Debt-To-Income Ratio | 463 | $106,235,000 | $229,000 | $2,755,000 | $86,000 | $1,156,000 |
| Credit History | 199 | $31,905,000 | $160,000 | $765,000 | $98,000 | $564,000 |
| Credit Application Incomplete | 147 | $26,795,000 | $182,000 | $755,000 | $116,000 | $2,353,000 |
| Collateral | 130 | $23,260,000 | $178,000 | $925,000 | $122,000 | $600,000 |
| Other | 96 | $22,110,000 | $230,000 | $1,205,000 | $120,000 | $1,560,000 |
| Unverifiable Information | 41 | $9,595,000 | $234,000 | $565,000 | $111,000 | $604,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $8,805,000 | $284,000 | $805,000 | $109,000 | $494,000 |
| Employment History | 12 | $2,790,000 | $232,000 | $455,000 | $71,000 | $148,000 |
| 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.
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