States › Florida
Florida mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Florida, with all 67 counties.
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. Record year 2024.
Florida had 917,801 HMDA-reported mortgage applications and 476,451 originations ($171bn) in 2024, from 729 lenders with at least 25 applications in the state.
The statewide denial rate was 29.0% (national 24.3%) and the median rate spread 0.3 percentage points (national 0.3). Originations ran at 54.4 per 1,000 households, against 48.0 nationally.
Originations in the state went from 539,628 in 2018 to 476,451 in 2024; the denial rate moved from 29.4% to 29.0%.
The most active lenders by originations were United Wholesale Mortgage (47,648), Rocket Mortgage (29,670) and DHI Mortgage Company, LTD. (13,481).
Most active lenders in Florida
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 68,016 | 47,648 | $17bn | 18.0% | 0.3 |
| 2 | Rocket Mortgage | 42,401 | 29,670 | $8.1bn | 21.4% | 0.4 |
| 3 | DHI Mortgage Company, LTD. | 17,942 | 13,481 | $4.4bn | 14.4% | -1.1 |
| 4 | Lennar Mortgage, LLC | 15,262 | 10,908 | $3.8bn | 20.0% | -1.2 |
| 5 | Crosscountry Mortgage, LLC | 16,304 | 9,917 | $3.9bn | 5.1% | 0.5 |
| 6 | Navy Federal Credit Union | 21,112 | 9,135 | $1.9bn | 36.5% | 0.9 |
| 7 | Bank of America NA | 25,574 | 7,882 | $2.6bn | 56.3% | 1.7 |
| 8 | Loandepot.com, LLC | 14,088 | 7,432 | $2.0bn | 32.8% | 0.3 |
| 9 | Suncoast Credit Union | 11,713 | 7,078 | $926m | 28.5% | 0.3 |
| 10 | Pennymac Loan Services LLC | 13,702 | 6,064 | $2.0bn | 25.9% | 0.5 |
| 11 | Freedom Mortgage Corporation | 12,754 | 5,988 | $2.2bn | 17.7% | 0.1 |
| 12 | Regions Bank | 14,827 | 5,985 | $1.8bn | 46.9% | 0.3 |
| 13 | JPMorgan Chase Bank, NA | 10,117 | 5,747 | $4.8bn | 18.6% | 0.1 |
| 14 | Truist Bank | 14,104 | 5,375 | $1.6bn | 53.9% | 0.3 |
| 15 | Space Coast Credit Union | 11,628 | 5,358 | $893m | 38.3% | 0.2 |
| 16 | Newrez LLC | 15,327 | 5,081 | $1.6bn | 41.5% | 0.5 |
| 17 | Mortgage Research Center | 11,814 | 5,035 | $1.8bn | 29.4% | -0.2 |
| 18 | Third Federal Savings and Loan | 10,915 | 4,721 | $607m | 49.2% | -0.6 |
| 19 | A&D Mortgage LLC | 7,532 | 4,369 | $1.5bn | 13.7% | 1.3 |
| 20 | Pulte Mortgage LLC | 6,275 | 4,211 | $1.7bn | 16.9% | -0.6 |
| 21 | Movement Mortgage, LLC | 6,120 | 4,144 | $1.3bn | 6.9% | 0.4 |
| 22 | New American Funding, LLC. | 10,564 | 4,139 | $1.2bn | 23.0% | 0.7 |
| 23 | CMG Mortgage Inc | 6,055 | 3,902 | $1.5bn | 7.7% | 0.2 |
| 24 | Paramount Residential Mortgage | 6,041 | 3,873 | $1.5bn | 8.1% | 0.6 |
| 25 | PNC Bank N.A. | 8,780 | 3,699 | $1.2bn | 44.7% | 0.9 |
| 26 | Figure Lending LLC | 8,668 | 3,665 | $322m | 34.5% | 3.9 |
| 27 | Fairway Independent Mort Corp | 5,159 | 3,505 | $1.1bn | 10.9% | 0.5 |
| 28 | Guaranteed Rate, Inc. | 6,277 | 3,350 | $1.2bn | 16.3% | 0.3 |
| 29 | Midflorida Credit Union | 8,781 | 3,338 | $608m | 54.8% | -0.0 |
| 30 | Flagstar Bank NA | 5,696 | 3,271 | $1.1bn | 32.5% | 0.4 |
| 31 | TD Bank | 7,657 | 3,261 | $1.0bn | 45.0% | 0.6 |
| 32 | Nationstar Mortgage | 5,346 | 3,169 | $629m | 23.0% | 1.2 |
| 33 | Everett Financial, Inc. | 4,353 | 3,139 | $896m | 9.5% | 0.6 |
| 34 | FBC Mortgage, LLC | 4,292 | 2,999 | $1.1bn | 8.2% | 0.1 |
| 35 | VyStar Credit Union | 7,275 | 2,961 | $529m | 48.1% | 0.6 |
| 36 | Spring Eq, LLC | 11,813 | 2,933 | $306m | 69.9% | 3.7 |
| 37 | The Mortgage Firm | 3,793 | 2,914 | $954m | 3.6% | 0.5 |
| 38 | SouthState Bank, N.A. | 4,874 | 2,893 | $787m | 27.8% | 0.6 |
| 39 | Us Bank, N.A. | 6,348 | 2,803 | $1.2bn | 46.7% | 0.3 |
| 40 | The Loan Store, Inc | 5,125 | 2,797 | $794m | 20.9% | 1.1 |
| 41 | Wells Fargo Bank NA | 6,918 | 2,714 | $3.8bn | 41.3% | -0.0 |
| 42 | Kiavi Funding, Inc. | 3,859 | 2,684 | $823m | 12.3% | — |
| 43 | Fifth Third Bank, National Association | 6,305 | 2,670 | $833m | 45.2% | 0.7 |
| 44 | Discover Bank | 21,132 | 2,560 | $237m | 81.0% | 2.3 |
| 45 | Union Home Mortgage Corp. | 3,220 | 2,357 | $715m | 9.3% | 0.5 |
| 46 | CBNA Year to Date | 4,766 | 2,333 | $991m | 42.0% | 1.0 |
| 47 | 21st Mortgage | 13,083 | 2,312 | $312m | 70.6% | 3.5 |
| 48 | Citizens First Bank | 2,805 | 2,252 | $594m | 4.3% | 0.4 |
| 49 | Guild Mortgage Company | 3,388 | 2,187 | $602m | 8.1% | 0.5 |
| 50 | Plains Commerce Bank | 3,908 | 2,182 | $684m | 6.5% | 0.4 |
| 51 | NFM, Inc | 2,760 | 2,159 | $883m | 3.8% | 0.2 |
| 52 | Ameris Bank | 3,070 | 2,085 | $688m | 14.4% | 0.2 |
| 53 | Coastal Community Bank | 10,011 | 2,020 | $126m | 2.7% | 4.1 |
| 54 | American Financial Network, Inc. | 3,231 | 1,846 | $567m | 14.9% | 0.7 |
| 55 | Taylor Morrison Home Funding, Inc. | 2,895 | 1,832 | $722m | 20.7% | -0.6 |
| 56 | HomeBridge Financial Services, Inc | 3,213 | 1,725 | $339m | 30.8% | 1.8 |
| 57 | Cardinal Financial Company, Li | 2,546 | 1,700 | $522m | 13.0% | 0.3 |
| 58 | Fairwinds Credit Union | 3,519 | 1,648 | $294m | 40.7% | 0.5 |
| 59 | Kind Lending, LLC | 2,804 | 1,624 | $607m | 32.6% | 0.4 |
| 60 | Angel Oak Mortgage Solutions LLC | 2,445 | 1,620 | $725m | 15.2% | 1.4 |
Top 60 of 729 lenders with at least 25 applications in the state, by originations. 477 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Florida | United States |
|---|---|---|
| Denial rate | 29.0% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.4% | 15.6% |
| Average originated loan | $359k | $329k |
| Originations per 1,000 households | 54.4 | 48.0 |
| Home purchase share of originations | 62.9% | 57.0% |
| FHA-insured share | 17.7% | 13.4% |
| VA-guaranteed share | 9.5% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
FloridaUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 995,743 | 539,628 | $133bn | 29.4% | 16.3% | 9.6% | 23.8% |
| 2019 | 1,123,752 | 626,064 | $164bn | 26.1% | 16.8% | 11.8% | 31.0% |
| 2020 | 1,592,398 | 909,821 | $254bn | 21.4% | 14.1% | 12.9% | 49.8% |
| 2021 | 1,794,348 | 1,029,543 | $316bn | 20.6% | 11.9% | 10.5% | 49.5% |
| 2022 | 1,249,738 | 651,681 | $229bn | 27.5% | 11.7% | 8.5% | 30.1% |
| 2023 | 908,973 | 465,946 | $159bn | 30.2% | 16.3% | 8.2% | 16.5% |
| 2024 | 917,801 | 476,451 | $171bn | 29.0% | 17.7% | 9.5% | 20.6% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 63% (299,894)Home improvement 8% (36,230)Refinancing 7% (35,203)Cash-out refinancing 13% (62,762)Other purpose 9% (42,031)
By type
Conventional 73% (345,925)FHA 18% (84,332)VA 10% (45,348)USDA 0% (846)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Miami-Dade County | 75,017 | 33,869 | 34.7 | 36.2% | 0.5 | 234 |
| Broward County | 69,806 | 31,822 | 42.2 | 35.6% | 0.5 | 234 |
| Hillsborough County | 56,877 | 29,878 | 51.2 | 28.3% | 0.3 | 215 |
| Palm Beach County | 54,340 | 26,443 | 43.7 | 32.5% | 0.4 | 218 |
| Orange County | 47,880 | 24,205 | 45.9 | 30.4% | 0.4 | 200 |
| Lee County | 40,367 | 22,228 | 67.8 | 27.0% | 0.4 | 190 |
| Duval County | 40,069 | 20,955 | 50.5 | 28.0% | 0.3 | 166 |
| Polk County | 39,702 | 20,937 | 72.3 | 30.0% | 0.2 | 165 |
| Pasco County | 33,943 | 19,319 | 81.8 | 24.6% | 0.2 | 159 |
| Pinellas County | 36,629 | 18,938 | 44.2 | 28.5% | 0.4 | 171 |
| Brevard County | 31,363 | 16,943 | 65.7 | 25.4% | 0.3 | 146 |
| Volusia County | 26,808 | 14,232 | 58.8 | 28.1% | 0.4 | 136 |
| Manatee County | 21,468 | 12,419 | 70.3 | 23.9% | 0.2 | 126 |
| Marion County | 23,182 | 12,376 | 75.1 | 28.3% | 0.4 | 131 |
| Osceola County | 23,358 | 12,319 | 86.3 | 29.7% | 0.2 | 138 |
| Lake County | 20,936 | 11,692 | 71.1 | 25.5% | 0.3 | 130 |
| Sarasota County | 21,065 | 11,653 | 54.9 | 25.4% | 0.3 | 141 |
| St. Johns County | 18,209 | 10,910 | 94.2 | 20.6% | 0.1 | 100 |
| St. Lucie County | 20,676 | 10,726 | 78.0 | 30.4% | 0.4 | 120 |
| Seminole County | 17,106 | 9,138 | 48.8 | 27.3% | 0.4 | 106 |
| Collier County | 16,655 | 9,038 | 54.5 | 27.0% | 0.3 | 106 |
| Escambia County | 13,042 | 7,050 | 54.6 | 25.3% | 0.3 | 89 |
| Charlotte County | 12,717 | 6,999 | 77.3 | 25.6% | 0.3 | 86 |
| Hernando County | 11,744 | 6,425 | 77.9 | 27.2% | 0.4 | 86 |
| Santa Rosa County | 10,530 | 5,974 | 82.3 | 22.0% | 0.1 | 69 |
| Clay County | 10,822 | 5,901 | 70.5 | 25.3% | 0.2 | 75 |
| Bay County | 10,415 | 5,630 | 71.5 | 26.2% | 0.2 | 69 |
| Okaloosa County | 9,681 | 5,604 | 65.6 | 21.8% | -0.0 | 75 |
| Citrus County | 8,594 | 4,606 | 64.6 | 26.6% | 0.4 | 72 |
| Leon County | 8,282 | 4,439 | 36.2 | 25.5% | 0.3 | 60 |
| Flagler County | 7,829 | 4,312 | 82.0 | 26.0% | 0.2 | 61 |
| Sumter County | 6,638 | 4,279 | 60.9 | 16.1% | 0.3 | 48 |
| Alachua County | 7,806 | 4,233 | 36.2 | 27.6% | 0.3 | 60 |
| Indian River County | 7,207 | 3,803 | 53.7 | 27.9% | 0.4 | 55 |
| Walton County | 6,462 | 3,622 | 105.4 | 24.1% | 0.2 | 63 |
| Martin County | 6,057 | 3,235 | 47.7 | 27.2% | 0.4 | 52 |
| Nassau County | 5,097 | 2,885 | 73.4 | 23.3% | 0.2 | 46 |
| Highlands County | 4,289 | 2,228 | 47.5 | 29.5% | 0.5 | 41 |
| Monroe County | 2,901 | 1,495 | 43.5 | 29.5% | 0.4 | 27 |
| Putnam County | 2,802 | 1,211 | 38.6 | 36.7% | 0.6 | 23 |
| Columbia County | 2,311 | 1,060 | 38.6 | 33.1% | 0.7 | 20 |
| Wakulla County | 1,704 | 952 | 74.7 | 23.4% | 0.3 | 17 |
| Levy County | 2,215 | 948 | 51.1 | 38.8% | 0.7 | 17 |
| Hendry County | 1,907 | 841 | 59.5 | 39.1% | 0.5 | 13 |
| Okeechobee County | 1,421 | 641 | 42.4 | 38.0% | 0.6 | 12 |
| Suwannee County | 1,467 | 575 | 35.7 | 42.8% | 1.0 | 10 |
| Jackson County | 1,410 | 570 | 33.0 | 42.7% | 0.7 | 10 |
| Washington County | 1,051 | 504 | 54.3 | 33.9% | 0.4 | 10 |
| Gadsden County | 1,351 | 503 | 29.8 | 43.5% | 0.5 | 10 |
| Gulf County | 852 | 440 | 74.0 | 27.7% | 0.6 | 8 |
| DeSoto County | 952 | 439 | 34.2 | 36.0% | 0.6 | 8 |
| Bradford County | 964 | 437 | 47.1 | 34.5% | 0.6 | 5 |
| Baker County | 847 | 436 | 47.6 | 26.7% | 0.6 | 6 |
| Gilchrist County | 758 | 345 | 48.2 | 34.1% | 0.6 | 6 |
| Hardee County | 583 | 296 | 36.0 | 30.5% | 0.5 | 5 |
| Franklin County | 609 | 279 | 56.4 | 29.1% | 0.4 | 4 |
| Holmes County | 511 | 219 | 31.2 | 36.3% | 0.9 | 1 |
| Taylor County | 524 | 210 | 26.3 | 38.2% | 0.8 | 2 |
| Jefferson County | 532 | 202 | 35.1 | 45.2% | 0.4 | 3 |
| Madison County | 520 | 196 | 28.1 | 42.4% | 0.8 | 4 |
| Glades County | 419 | 176 | 39.1 | 35.0% | 0.6 | 2 |
| Dixie County | 456 | 169 | 27.1 | 40.3% | 0.9 | 2 |
| Hamilton County | 390 | 159 | 37.1 | 39.3% | 0.9 | 1 |
| Union County | 353 | 154 | 35.7 | 35.8% | 0.7 | 2 |
| Calhoun County | 335 | 144 | 31.1 | 39.2% | 0.8 | 1 |
| Liberty County | 165 | 65 | 25.4 | 38.5% | 0.8 | 1 |
| Lafayette County | 133 | 64 | 24.3 | 32.7% | 0.8 | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Florida originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Florida?
By 2024 originations: United Wholesale Mortgage (47,648), Rocket Mortgage (29,670), DHI Mortgage Company, LTD. (13,481), Lennar Mortgage, LLC (10,908), Crosscountry Mortgage, LLC (9,917). 729 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Florida?
29.0% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Florida changed since 2018?
Originations went from 539,628 in 2018 to 476,451 in 2024; the denial rate moved from 29.4% to 29.0%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.