Lenders › FBC Mortgage, LLC › Florida
FBC Mortgage, LLC 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.
In Florida, FBC Mortgage, LLC reported 4,292 applications and 2,999 originations for 2024, $1.1bn in all.
Its denial rate in the state was 8.2%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 7.6%.
The median rate spread on its Florida originations was 0.1 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 | FBC Mortgage, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.2% | 29.0% | 7.6% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.3% | 16.4% | 1.1% | 15.6% |
| Average originated loan | $383k | $359k | $370k | $329k |
| Home purchase share | 96.7% | 62.9% | 96.4% | 57.0% |
| FHA-insured share | 36.7% | 17.7% | 40.0% | 13.4% |
| VA-guaranteed share | 11.7% | 9.5% | 16.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 97% (2,899)Refinancing 1% (43)Cash-out refinancing 2% (57)
By type
Conventional 51% (1,539)FHA 37% (1,101)VA 12% (352)USDA 0% (7)
Denial reasons as coded
Share of 271 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Orange County | 434 | 303 | $139m | 7.6% |
| Palm Beach County | 365 | 244 | $119m | 3.9% |
| Polk County | 290 | 202 | $63m | 10.5% |
| Volusia County | 271 | 197 | $66m | 6.2% |
| Osceola County | 264 | 176 | $74m | 9.7% |
| Pasco County | 226 | 174 | $65m | 5.9% |
| Brevard County | 230 | 168 | $57m | 7.7% |
| Lake County | 239 | 155 | $55m | 12.3% |
| Seminole County | 200 | 141 | $55m | 10.7% |
| Bay County | 120 | 107 | $35m | 0.9% |
| Hillsborough County | 161 | 98 | $45m | 11.6% |
| Manatee County | 96 | 80 | $31m | 3.6% |
| Miami-Dade County | 138 | 75 | $35m | 12.5% |
| Marion County | 118 | 74 | $19m | 19.4% |
| St. Lucie County | 106 | 73 | $26m | 9.8% |
| Duval County | 101 | 60 | $21m | 12.7% |
| Sarasota County | 84 | 59 | $23m | 6.1% |
| Lee County | 73 | 56 | $19m | 9.7% |
| Alachua County | 74 | 54 | $17m | 1.8% |
| Sumter County | 55 | 47 | $14m | 2.1% |
| Pinellas County | 51 | 37 | $18m | 5.1% |
| Flagler County | 48 | 36 | $12m | 2.6% |
| Walton County | 47 | 36 | $16m | 2.6% |
| Clay County | 51 | 34 | $11m | 12.8% |
| Collier County | 51 | 34 | $19m | 5.6% |
| Okaloosa County | 42 | 33 | $12m | 5.7% |
| Citrus County | 42 | 32 | $7.8m | 8.6% |
| St. Johns County | 34 | 30 | $15m | 0.0% |
| Charlotte County | 40 | 29 | $10m | 3.3% |
| Escambia County | 30 | 27 | $8.5m | 0.0% |
| Broward County | 48 | 25 | $12m | 23.5% |
| Highlands County | 25 | 17 | $5.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did FBC Mortgage, LLC originate in Florida in 2024?
2,999 loans totalling $1.1bn, from 4,292 applications reported for properties in Florida.
What is FBC Mortgage, LLC's denial rate in Florida?
8.2% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 7.6% 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 FBC Mortgage, LLC lend in most?
By originations: Orange County (303), Palm Beach County (244), Polk County (202), Volusia County (197), Osceola County (176).
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.