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Wakulla 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 1,704 mortgage applications in Wakulla County, Florida, for 2024, and originated 952 loans worth $212m.
That is 74.7 originations per 1,000 households, against 54.4 for Florida and 48.0 nationally.
The county's denial rate was 23.4%, below the state rate of 29.0%. The median rate spread on originated loans was 0.3 percentage points and 13.0% of originations were 1.5 points or more above the average prime offer rate.
17 lenders reached 25 applications in the county; the most active by originations were University Bank (100), DHI Mortgage Company, LTD. (96) and Rocket Mortgage (68).
Originations were up 13% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | University Bank | 115 | 100 | $24m | 1.0% | — |
| 2 | DHI Mortgage Company, LTD. | 143 | 96 | $30m | 11.1% | — |
| 3 | Rocket Mortgage | 90 | 68 | $15m | 16.9% | — |
| 4 | Union Home Mortgage Corp. | 65 | 43 | $7.2m | 10.0% | — |
| 5 | Ameris Bank | 49 | 39 | $7.8m | 2.5% | — |
| 6 | United Wholesale Mortgage | 58 | 35 | $10m | 17.4% | — |
| 7 | Mortgage Research Center | 65 | 32 | $8.4m | 27.3% | — |
| 8 | Centennial Bank | 60 | 29 | $4.9m | 27.5% | — |
| 9 | Movement Mortgage, LLC | 43 | 28 | $6.1m | 2.9% | — |
| 10 | Capital City Home Loans, LLC | 37 | 27 | $5.9m | 10.0% | — |
| 11 | Loandepot.com, LLC | 40 | 26 | $5.2m | 16.1% | — |
| 12 | First Commerce Credit Union | 33 | 26 | $3.2m | 18.2% | — |
| 13 | Navy Federal Credit Union | 33 | 20 | $5.2m | 25.9% | — |
| 14 | Capital City Bank | 33 | 15 | $3.0m | 41.9% | — |
| 15 | Truist Bank | 28 | 13 | $2.0m | — | — |
| 16 | 21st Mortgage | 75 | 9 | $1.4m | 78.7% | — |
| 17 | Vanderbilt Mortgage and Finance, Inc | 47 | 3 | $455k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 17. Denial rate is denials over decided applications in this county.
Compared with Florida and the nation
| Measure | This county | Florida | United States |
|---|---|---|---|
| Denial rate | 23.4% | 29.0% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 13.0% | 16.4% | 15.6% |
| Average originated loan | $223k | $359k | $329k |
| Originations per 1,000 households | 74.7 | 54.4 | 48.0 |
| Home purchase share of originations | 70.0% | 62.9% | 57.0% |
| FHA-insured share | 28.4% | 17.7% | 13.4% |
| VA-guaranteed share | 16.5% | 9.5% | 7.9% |
Rate spread distribution
Share of 872 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 71% (666)Home improvement 3% (32)Refinancing 9% (81)Cash-out refinancing 12% (114)Other purpose 5% (51)
By type
Conventional 53% (502)FHA 28% (270)VA 16% (157)USDA 2% (23)
Trend by year
ApplicationsOriginations
This countyFlorida
Questions and answers
Which lenders are most active in Wakulla County, FL?
By 2024 originations: University Bank (100), DHI Mortgage Company, LTD. (96), Rocket Mortgage (68), Union Home Mortgage Corp. (43), Ameris Bank (39). 17 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Wakulla County?
23.4% of decided applications were denied in 2024, against 29.0% across Florida and 24.3% nationally.
How many mortgages were originated in Wakulla County in 2024?
952 loans totalling $212m, from 1,704 applications; 74.7 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 12129; 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.