Collier County, FL: mortgage lenders, denial rate and originations, 2024

States › Florida › Collier County

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.

Collier County, Florida, saw 16,655 HMDA-reported applications and 9,038 originations ($4.7bn) in 2024.

That is 54.5 originations per 1,000 households, against 54.4 for Florida and 48.0 nationally.

The county's denial rate was 27.0%, below the state rate of 29.0%. The median rate spread on originated loans was 0.3 percentage points and 14.0% of originations were 1.5 points or more above the average prime offer rate.

106 lenders reached 25 applications in the county; the most active by originations were Crosscountry Mortgage, LLC (625), United Wholesale Mortgage (560) and Suncoast Credit Union (535).

Originations were about level with 2023.

16,655applications, 2024

9,038loans originated$4.7bn

27.0%denial rateFL 29.0% · US 24.3%

54.5originations per 1,000 householdsFL 54.4 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Crosscountry Mortgage, LLC	934	625	$296m	4.7%	—
2	United Wholesale Mortgage	812	560	$283m	19.0%	—
3	Suncoast Credit Union	929	535	$76m	29.6%	—
4	Rocket Mortgage	729	535	$196m	19.2%	—
5	Lake Michigan Credit Union	392	267	$131m	17.9%	—
6	Lennar Mortgage, LLC	378	261	$90m	22.5%	—
7	Third Federal Savings and Loan	378	200	$37m	37.8%	—
8	Pulte Mortgage LLC	317	197	$85m	18.6%	—
9	Loandepot.com, LLC	352	190	$70m	33.8%	—
10	American Pacific Mortgage Corporation	238	186	$81m	9.3%	—
11	Fifth Third Bank, National Association	457	184	$73m	45.4%	—
12	Bank of America NA	549	175	$150m	51.3%	—
13	JPMorgan Chase Bank, NA	254	160	$176m	13.5%	—
14	New American Funding, LLC.	290	137	$48m	19.1%	—
15	Us Bank, N.A.	221	136	$95m	22.9%	—
16	CBNA Year to Date	217	125	$69m	29.9%	—
17	PNC Bank N.A.	205	109	$50m	30.9%	—
18	Pennymac Loan Services LLC	250	105	$44m	33.1%	—
19	Movement Mortgage, LLC	149	104	$51m	8.4%	—
20	TD Bank	197	90	$34m	38.1%	—
21	Wells Fargo Bank NA	181	84	$133m	33.1%	—
22	Morgan Stanley Private Bank NA	102	83	$73m	4.3%	—
23	Truist Bank	239	82	$35m	59.0%	—
24	Regions Bank	222	81	$14m	54.0%	—
25	Flagstar Bank NA	112	76	$31m	20.8%	—
26	Newrez LLC	223	67	$30m	44.2%	—
27	Guaranteed Rate, Inc.	126	67	$42m	11.5%	—
28	Taylor Morrison Home Funding, Inc.	117	66	$37m	21.4%	—
29	Summit Mortgage Corporation	83	65	$27m	2.9%	—
30	Navy Federal Credit Union	137	57	$19m	32.2%	—
31	Figure Lending LLC	153	55	$6.5m	39.0%	—
32	Midflorida Credit Union	95	52	$51m	34.1%	—
33	Angel Oak Mortgage Solutions LLC	85	48	$29m	12.3%	—
34	Spring Eq, LLC	200	46	$6.3m	71.0%	—
35	DHI Mortgage Company, LTD.	65	45	$19m	11.1%	—
36	American Financial Network, Inc.	62	42	$21m	8.7%	—
37	The Loan Store, Inc	77	41	$13m	29.6%	—
38	Space Coast Credit Union	72	41	$13m	28.3%	—
39	HomeBridge Financial Services, Inc	65	38	$8.4m	30.4%	—
40	The Central Trust Bank	52	38	$16m	4.7%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 106. Denial rate is denials over decided applications in this county.

Compared with Florida and the nation

Measure	This county	Florida	United States
Denial rate	27.0%	29.0%	24.3%
Median rate spread, pp	0.3	0.3	0.3
Originations with spread of 1.5 pp or more	14.0%	16.4%	15.6%
Average originated loan	$515k	$359k	$329k
Originations per 1,000 households	54.5	54.4	48.0
Home purchase share of originations	61.8%	62.9%	57.0%
FHA-insured share	9.5%	17.7%	13.4%
VA-guaranteed share	2.8%	9.5%	7.9%

Rate spread distribution

Below 0 pp30.3%

0 to 0.5 pp28.3%

0.5 to 1 pp18%

1 to 1.5 pp9.4%

1.5 to 3 pp8.3%

3 or more pp5.7%

Share of 8,049 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 62% (5,585)Home improvement 9% (828)Refinancing 7% (638)Cash-out refinancing 10% (912)Other purpose 12% (1,073)

By type

Conventional 88% (7,925)FHA 10% (863)VA 3% (249)USDA 0% (1)

Trend by year

ApplicationsOriginations

Applications and originations in Collier County, 2022–2024

This countyFlorida

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in Collier County, FL?

By 2024 originations: Crosscountry Mortgage, LLC (625), United Wholesale Mortgage (560), Suncoast Credit Union (535), Rocket Mortgage (535), Lake Michigan Credit Union (267). 106 lenders had at least 25 applications in the county.

What is the mortgage denial rate in Collier County?

27.0% of decided applications were denied in 2024, against 29.0% across Florida and 24.3% nationally.

How many mortgages were originated in Collier County in 2024?

9,038 loans totalling $4.7bn, from 16,655 applications; 54.5 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 12021; 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.