Lenders › DHI Mortgage Company, LTD. › Florida
DHI Mortgage Company, LTD. in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
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.
DHI Mortgage Company, LTD.'s 2024 HMDA record for Florida covers 17,942 applications, 13,481 of them originated, worth $4.4bn.
Its denial rate in the state was 14.4%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 12.2%.
The median rate spread on its Florida originations was -1.1 percentage points (state median 0.3).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | DHI Mortgage Company, LTD., all states | United States |
|---|---|---|---|---|
| Denial rate | 14.4% | 29.0% | 12.2% | 24.3% |
| Median rate spread, pp | -1.1 | 0.3 | -1.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.1% | 16.4% | 0.2% | 15.6% |
| Average originated loan | $326k | $359k | $340k | $329k |
| Home purchase share | 100.0% | 62.9% | 100.0% | 57.0% |
| FHA-insured share | 44.5% | 17.7% | 42.6% | 13.4% |
| VA-guaranteed share | 18.4% | 9.5% | 16.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 100% (13,479)Cash-out refinancing 0% (2)
By type
Conventional 37% (4,959)FHA 44% (5,998)VA 18% (2,480)USDA 0% (44)
Denial reasons as coded
Share of 2,292 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Pasco County | 1,710 | 1,382 | $475m | 10.3% |
| Polk County | 1,546 | 1,043 | $324m | 21.0% |
| Manatee County | 1,110 | 846 | $300m | 15.5% |
| St. Johns County | 986 | 780 | $208m | 9.4% |
| Osceola County | 953 | 738 | $268m | 14.1% |
| Hillsborough County | 864 | 705 | $226m | 10.3% |
| Brevard County | 909 | 632 | $208m | 18.5% |
| Marion County | 775 | 613 | $166m | 15.7% |
| Volusia County | 699 | 556 | $178m | 10.5% |
| Bay County | 716 | 550 | $169m | 12.4% |
| Santa Rosa County | 735 | 519 | $155m | 16.2% |
| Lee County | 743 | 517 | $158m | 18.0% |
| Duval County | 584 | 458 | $131m | 12.4% |
| Orange County | 598 | 442 | $189m | 12.4% |
| Flagler County | 441 | 342 | $91m | 12.5% |
| Okaloosa County | 388 | 333 | $109m | 7.4% |
| Lake County | 434 | 319 | $112m | 14.9% |
| Clay County | 382 | 319 | $97m | 7.7% |
| Escambia County | 420 | 310 | $88m | 15.7% |
| Alachua County | 274 | 226 | $75m | 10.2% |
| Charlotte County | 308 | 221 | $63m | 12.7% |
| Seminole County | 256 | 214 | $81m | 4.9% |
| St. Lucie County | 313 | 160 | $59m | 41.4% |
| Walton County | 208 | 153 | $48m | 15.4% |
| Miami-Dade County | 256 | 151 | $72m | 31.7% |
| Hernando County | 174 | 151 | $48m | 8.5% |
| Broward County | 204 | 140 | $68m | 21.0% |
| Wakulla County | 143 | 96 | $30m | 11.1% |
| Indian River County | 127 | 88 | $31m | 18.0% |
| Martin County | 115 | 85 | $39m | 11.5% |
| Sarasota County | 101 | 76 | $24m | 17.4% |
| Leon County | 101 | 63 | $22m | 12.8% |
| Collier County | 65 | 45 | $19m | 11.1% |
| Hendry County | 54 | 33 | $8.6m | 29.2% |
| Pinellas County | 43 | 33 | $11m | 5.4% |
| Sumter County | 42 | 33 | $9.4m | 13.2% |
| Gulf County | 48 | 31 | $9.6m | 18.4% |
| Washington County | 36 | 26 | $6.2m | 13.3% |
| Franklin County | 40 | 23 | $6.1m | 11.5% |
| Citrus County | 27 | 21 | $4.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did DHI Mortgage Company, LTD. originate in Florida in 2024?
13,481 loans totalling $4.4bn, from 17,942 applications reported for properties in Florida.
What is DHI Mortgage Company, LTD.'s denial rate in Florida?
14.4% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 12.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does DHI Mortgage Company, LTD. lend in most?
By originations: Pasco County (1,382), Polk County (1,043), Manatee County (846), St. Johns County (780), Osceola County (738).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.