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21st Mortgage 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.
21st Mortgage's 2024 HMDA record for Florida covers 13,083 applications, 2,312 of them originated, worth $312m.
Its denial rate in the state was 70.6%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Florida originations was 3.5 percentage points (state median 0.3).
Applications in the state were down 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 70.6% | 29.0% | 70.3% | 24.3% |
| Median rate spread, pp | 3.5 | 0.3 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 97.8% | 16.4% | 99.0% | 15.6% |
| Average originated loan | $135k | $359k | $114k | $329k |
| Home purchase share | 98.4% | 62.9% | 98.4% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 98% (2,274)Home improvement 0% (2)Refinancing 1% (19)Cash-out refinancing 0% (7)Other purpose 0% (10)
By type
Conventional 100% (2,312)
Denial reasons as coded
Share of 6,163 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Duval County | 854 | 183 | $15m | 68.4% |
| Marion County | 672 | 146 | $20m | 65.0% |
| Polk County | 692 | 107 | $12m | 74.3% |
| Levy County | 395 | 85 | $13m | 64.5% |
| Escambia County | 356 | 82 | $11m | 64.5% |
| Orange County | 477 | 75 | $7.6m | 77.7% |
| Jackson County | 348 | 73 | $10m | 68.4% |
| Suwannee County | 395 | 70 | $11m | 69.1% |
| Walton County | 380 | 66 | $9.7m | 68.9% |
| Hillsborough County | 529 | 64 | $7.4m | 81.5% |
| Pasco County | 371 | 62 | $9.5m | 70.7% |
| Alachua County | 319 | 62 | $6.2m | 71.3% |
| Citrus County | 255 | 60 | $8.7m | 65.6% |
| Columbia County | 224 | 57 | $7.5m | 61.6% |
| Bay County | 377 | 55 | $7.9m | 70.2% |
| Santa Rosa County | 171 | 47 | $7.3m | 58.8% |
| Palm Beach County | 311 | 45 | $4.7m | 69.5% |
| Putnam County | 256 | 43 | $6.6m | 71.0% |
| Lake County | 275 | 40 | $5.9m | 76.7% |
| Clay County | 178 | 40 | $7.1m | 61.5% |
| Osceola County | 236 | 39 | $4.8m | 75.5% |
| Hendry County | 255 | 38 | $5.7m | 77.6% |
| Washington County | 190 | 36 | $5.0m | 66.4% |
| Hernando County | 201 | 35 | $5.3m | 68.3% |
| Nassau County | 149 | 34 | $6.2m | 63.1% |
| Volusia County | 195 | 32 | $3.3m | 73.8% |
| Okeechobee County | 156 | 27 | $4.5m | 70.0% |
| Charlotte County | 145 | 27 | $3.6m | 64.0% |
| Okaloosa County | 240 | 26 | $3.3m | 78.8% |
| St. Lucie County | 121 | 26 | $1.9m | 67.9% |
| Pinellas County | 226 | 25 | $2.4m | 81.2% |
| Sumter County | 103 | 25 | $4.3m | 50.0% |
| Holmes County | 96 | 25 | $3.7m | 55.9% |
| Bradford County | 104 | 24 | $4.2m | 60.6% |
| Baker County | 102 | 24 | $4.0m | 55.6% |
| Gilchrist County | 98 | 24 | $3.6m | 60.9% |
| Leon County | 226 | 23 | $6.1m | 85.5% |
| Lee County | 193 | 23 | $3.5m | 75.2% |
| Brevard County | 146 | 23 | $3.6m | 73.6% |
| Manatee County | 130 | 23 | $2.2m | 69.1% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Florida in 2024?
2,312 loans totalling $312m, from 13,083 applications reported for properties in Florida.
What is 21st Mortgage's denial rate in Florida?
70.6% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Duval County (183), Marion County (146), Polk County (107), Levy County (85), Escambia County (82).
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.