Lenders › Loandepot.com, LLC › Florida
Loandepot.com, 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.
Loandepot.com, LLC's 2024 HMDA record for Florida covers 14,088 applications, 7,432 of them originated, worth $2.0bn.
Its denial rate in the state was 32.8%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 29.1%.
The median rate spread on its Florida originations was 0.3 percentage points (state median 0.3).
Applications in the state were up 12% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Loandepot.com, LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 32.8% | 29.0% | 29.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.7% | 16.4% | 16.9% | 15.6% |
| Average originated loan | $274k | $359k | $300k | $329k |
| Home purchase share | 58.6% | 62.9% | 51.5% | 57.0% |
| FHA-insured share | 31.1% | 17.7% | 26.4% | 13.4% |
| VA-guaranteed share | 11.1% | 9.5% | 10.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 59% (4,357)Home improvement 2% (139)Refinancing 3% (190)Cash-out refinancing 21% (1,546)Other purpose 16% (1,200)
By type
Conventional 58% (4,287)FHA 31% (2,314)VA 11% (828)USDA 0% (3)
Denial reasons as coded
Share of 3,712 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Lee County | 1,061 | 664 | $177m | 27.2% |
| Polk County | 999 | 567 | $156m | 30.7% |
| Hillsborough County | 794 | 429 | $118m | 29.1% |
| Broward County | 891 | 411 | $113m | 39.4% |
| St. Lucie County | 720 | 389 | $121m | 32.9% |
| Miami-Dade County | 868 | 375 | $117m | 41.9% |
| Orange County | 636 | 329 | $95m | 33.9% |
| Duval County | 535 | 285 | $68m | 31.0% |
| Palm Beach County | 560 | 252 | $70m | 39.1% |
| Brevard County | 493 | 247 | $60m | 35.7% |
| Sarasota County | 420 | 233 | $78m | 33.6% |
| Volusia County | 385 | 225 | $55m | 29.8% |
| Manatee County | 378 | 223 | $70m | 24.1% |
| Osceola County | 355 | 210 | $68m | 29.6% |
| Collier County | 352 | 190 | $70m | 33.8% |
| Lake County | 316 | 185 | $48m | 26.3% |
| Marion County | 353 | 177 | $35m | 33.8% |
| Pasco County | 353 | 177 | $47m | 33.9% |
| Charlotte County | 289 | 166 | $45m | 28.0% |
| Hernando County | 354 | 157 | $40m | 45.2% |
| Clay County | 253 | 152 | $42m | 18.8% |
| Leon County | 237 | 150 | $31m | 13.6% |
| Pinellas County | 327 | 132 | $30m | 45.9% |
| St. Johns County | 209 | 118 | $37m | 25.9% |
| Nassau County | 190 | 115 | $39m | 22.1% |
| Martin County | 157 | 110 | $35m | 20.1% |
| Seminole County | 192 | 85 | $20m | 38.0% |
| Escambia County | 131 | 68 | $13m | 33.0% |
| Flagler County | 126 | 57 | $15m | 33.3% |
| Citrus County | 94 | 48 | $10m | 38.5% |
| Indian River County | 118 | 46 | $9.6m | 47.2% |
| Bay County | 83 | 46 | $11m | 33.3% |
| Santa Rosa County | 92 | 41 | $11m | 40.3% |
| Highlands County | 61 | 40 | $6.8m | 21.2% |
| Okaloosa County | 71 | 37 | $8.6m | 35.1% |
| Gadsden County | 50 | 36 | $5.5m | 7.3% |
| Hendry County | 105 | 35 | $9.2m | 57.5% |
| Sumter County | 67 | 35 | $8.5m | 27.1% |
| Okeechobee County | 41 | 26 | $4.7m | 27.8% |
| Wakulla County | 40 | 26 | $5.2m | 16.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Loandepot.com, LLC originate in Florida in 2024?
7,432 loans totalling $2.0bn, from 14,088 applications reported for properties in Florida.
What is Loandepot.com, LLC's denial rate in Florida?
32.8% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 29.1% 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 Loandepot.com, LLC lend in most?
By originations: Lee County (664), Polk County (567), Hillsborough County (429), Broward County (411), St. Lucie County (389).
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.