Lenders › Fairway Independent Mort Corp › Florida
Fairway Independent Mort Corp 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.
Fairway Independent Mort Corp's 2024 HMDA record for Florida covers 5,159 applications, 3,505 of them originated, worth $1.1bn.
Its denial rate in the state was 10.9%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 6.0%.
The median rate spread on its Florida originations was 0.5 percentage points (state median 0.3).
Applications in the state were down 28% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Fairway Independent Mort Corp, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.9% | 29.0% | 6.0% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.4% | 16.4% | 5.0% | 15.6% |
| Average originated loan | $326k | $359k | $319k | $329k |
| Home purchase share | 92.8% | 62.9% | 91.1% | 57.0% |
| FHA-insured share | 22.7% | 17.7% | 22.0% | 13.4% |
| VA-guaranteed share | 8.9% | 9.5% | 8.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 93% (3,251)Home improvement 0% (14)Refinancing 2% (60)Cash-out refinancing 3% (113)Other purpose 2% (67)
By type
Conventional 68% (2,386)FHA 23% (795)VA 9% (312)USDA 0% (12)
Denial reasons as coded
Share of 432 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Broward County | 585 | 350 | $141m | 14.1% |
| Hillsborough County | 337 | 234 | $77m | 12.9% |
| Palm Beach County | 321 | 216 | $99m | 9.1% |
| Pasco County | 244 | 168 | $45m | 11.1% |
| Miami-Dade County | 323 | 167 | $80m | 18.0% |
| Volusia County | 200 | 164 | $39m | 6.2% |
| Pinellas County | 255 | 160 | $58m | 10.9% |
| Marion County | 195 | 149 | $39m | 7.9% |
| Duval County | 216 | 148 | $33m | 12.4% |
| Manatee County | 190 | 140 | $45m | 6.7% |
| Escambia County | 189 | 130 | $29m | 13.3% |
| Hernando County | 163 | 124 | $30m | 5.3% |
| Orange County | 178 | 119 | $46m | 10.4% |
| Citrus County | 149 | 115 | $27m | 4.9% |
| Polk County | 138 | 92 | $23m | 13.8% |
| Santa Rosa County | 122 | 86 | $22m | 10.4% |
| Sarasota County | 113 | 81 | $32m | 9.0% |
| St. Lucie County | 95 | 69 | $23m | 8.0% |
| Lee County | 103 | 67 | $23m | 13.0% |
| Seminole County | 100 | 67 | $27m | 12.7% |
| Lake County | 82 | 65 | $17m | 5.8% |
| Clay County | 81 | 57 | $15m | 9.5% |
| Osceola County | 65 | 47 | $16m | 11.3% |
| Leon County | 61 | 46 | $9.6m | 6.0% |
| Brevard County | 60 | 36 | $9.8m | 7.5% |
| Collier County | 56 | 36 | $17m | 7.7% |
| Flagler County | 41 | 36 | $10m | 5.3% |
| St. Johns County | 51 | 31 | $10m | 16.2% |
| Walton County | 37 | 29 | $17m | 3.3% |
| Indian River County | 33 | 26 | $8.6m | 3.7% |
| Bay County | 41 | 25 | $7.0m | 24.2% |
| Martin County | 38 | 24 | $9.3m | 17.2% |
| Charlotte County | 35 | 20 | $5.7m | — |
| Okaloosa County | 30 | 19 | $7.0m | — |
| Sumter County | 28 | 19 | $6.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Fairway Independent Mort Corp originate in Florida in 2024?
3,505 loans totalling $1.1bn, from 5,159 applications reported for properties in Florida.
What is Fairway Independent Mort Corp's denial rate in Florida?
10.9% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 6.0% 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 Fairway Independent Mort Corp lend in most?
By originations: Broward County (350), Hillsborough County (234), Palm Beach County (216), Pasco County (168), Miami-Dade County (167).
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.