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Clay County, Florida
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 10,822 mortgage applications in Clay County, Florida, for 2024, and originated 5,901 loans worth $1.6bn.
That is 70.5 originations per 1,000 households, against 54.4 for Florida and 48.0 nationally.
The county's denial rate was 25.3%, below the state rate of 29.0%. The median rate spread on originated loans was 0.2 percentage points and 15.8% of originations were 1.5 points or more above the average prime offer rate.
75 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (613), VyStar Credit Union (395) and Rocket Mortgage (391).
Originations were about level with 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 75. Denial rate is denials over decided applications in this county.
Compared with Florida and the nation
| Measure | This county | Florida | United States |
|---|---|---|---|
| Denial rate | 25.3% | 29.0% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.8% | 16.4% | 15.6% |
| Average originated loan | $267k | $359k | $329k |
| Originations per 1,000 households | 70.5 | 54.4 | 48.0 |
| Home purchase share of originations | 59.5% | 62.9% | 57.0% |
| FHA-insured share | 20.9% | 17.7% | 13.4% |
| VA-guaranteed share | 26.2% | 9.5% | 7.9% |
Rate spread distribution
Share of 5,623 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Florida). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 59% (3,509)Home improvement 5% (321)Refinancing 8% (467)Cash-out refinancing 19% (1,142)Other purpose 8% (461)
By type
Conventional 52% (3,087)FHA 21% (1,234)VA 26% (1,549)USDA 1% (31)
Trend by year
ApplicationsOriginations
This countyFlorida
Questions and answers
Which lenders are most active in Clay County, FL?
By 2024 originations: United Wholesale Mortgage (613), VyStar Credit Union (395), Rocket Mortgage (391), Navy Federal Credit Union (342), DHI Mortgage Company, LTD. (319). 75 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Clay County?
25.3% of decided applications were denied in 2024, against 29.0% across Florida and 24.3% nationally.
How many mortgages were originated in Clay County in 2024?
5,901 loans totalling $1.6bn, from 10,822 applications; 70.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 12019; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.