HMDA 2025
Mortgage lenders in Florida
Lenders reported 1,062,108 home-loan applications for properties in Florida in 2025; 489,066 became loans and the denial rate on decided applications was 27.1%. The busiest county was Miami-Dade County with 82,507 applications.
Most active lenders across Florida's counties
- UNITED SHORE FINANCIAL SERVICES, LLC 71,790 applications
- Rocket Mortgage, LLC 47,715 applications
- PENNYMAC LOAN SERVICES, LLC 43,205 applications
- JPMorgan Chase Bank, National Association 29,500 applications
- Bank of America, National Association 25,824 applications
- NEWREZ LLC 24,074 applications
- LAKEVIEW LOAN SERVICING, LLC 21,276 applications
- Navy Federal Credit Union 19,520 applications
- CROSSCOUNTRY MORTGAGE, INC. 19,133 applications
- FREEDOM MORTGAGE CORPORATION 18,419 applications
- AMERIHOME MORTGAGE COMPANY, LLC 17,439 applications
- Truist Bank 17,363 applications
- DHI MORTGAGE COMPANY, LTD. 15,799 applications
- LENNAR MORTGAGE, LLC 14,121 applications
- Mortgage Research Center, LLC 13,741 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Alachua County | 9,719 | 400 | 26.6% | 2,803 / 986 |
| Baker County | 1,050 | 149 | 25.3% | 296 / 152 |
| Bay County | 12,314 | 516 | 23.8% | 4,023 / 1,191 |
| Bradford County | 1,143 | 169 | 31.0% | 317 / 115 |
| Brevard County | 36,873 | 651 | 23.4% | 10,064 / 4,635 |
| Broward County | 75,647 | 758 | 33.5% | 16,955 / 8,690 |
| Calhoun County | 411 | 92 | 35.2% | 95 / 49 |
| Charlotte County | 15,381 | 640 | 23.9% | 4,988 / 1,418 |
| Citrus County | 10,775 | 445 | 24.4% | 3,054 / 1,280 |
| Clay County | 12,938 | 389 | 24.6% | 3,518 / 1,697 |
| Collier County | 19,180 | 705 | 25.7% | 5,336 / 2,020 |
| Columbia County | 2,836 | 223 | 34.7% | 647 / 314 |
| DeSoto County | 978 | 153 | 30.0% | 259 / 107 |
| Dixie County | 591 | 111 | 42.8% | 142 / 49 |
| Duval County | 46,192 | 624 | 26.3% | 12,958 / 5,748 |
| Escambia County | 15,614 | 491 | 24.8% | 4,405 / 1,758 |
| Flagler County | 9,400 | 437 | 24.0% | 2,840 / 1,044 |
| Franklin County | 652 | 145 | 27.1% | 182 / 67 |
| Gadsden County | 1,516 | 176 | 40.6% | 287 / 144 |
| Gilchrist County | 904 | 141 | 27.7% | 221 / 114 |
| Glades County | 483 | 125 | 32.7% | 121 / 48 |
| Gulf County | 1,098 | 200 | 24.6% | 311 / 107 |
| Hamilton County | 443 | 112 | 40.0% | 112 / 42 |
| Hardee County | 741 | 126 | 35.0% | 176 / 71 |
| Hendry County | 2,066 | 213 | 34.7% | 572 / 169 |
| Hernando County | 14,463 | 452 | 25.0% | 4,213 / 1,668 |
| Highlands County | 5,219 | 308 | 27.7% | 1,404 / 659 |
| Hillsborough County | 64,621 | 753 | 26.0% | 17,344 / 7,371 |
| Holmes County | 696 | 124 | 43.7% | 135 / 53 |
| Indian River County | 8,796 | 442 | 26.4% | 2,376 / 1,035 |
| Jackson County | 1,663 | 166 | 40.1% | 370 / 161 |
| Jefferson County | 607 | 119 | 36.5% | 133 / 66 |
| Lafayette County | 178 | 69 | 32.5% | 49 / 18 |
| Lake County | 25,292 | 604 | 24.7% | 7,639 / 2,557 |
| Lee County | 47,429 | 885 | 24.5% | 15,208 / 4,497 |
| Leon County | 9,966 | 398 | 21.8% | 2,796 / 1,153 |
| Levy County | 2,626 | 228 | 37.3% | 637 / 225 |
| Liberty County | 191 | 66 | 30.8% | 39 / 31 |
| Madison County | 632 | 130 | 44.2% | 118 / 62 |
| Manatee County | 26,209 | 693 | 23.3% | 8,457 / 2,334 |
| Marion County | 27,835 | 612 | 27.4% | 8,304 / 2,898 |
| Martin County | 7,672 | 442 | 24.1% | 2,110 / 878 |
| Miami-Dade County | 82,507 | 680 | 33.7% | 17,929 / 10,481 |
| Monroe County | 3,457 | 342 | 29.0% | 977 / 427 |
| Nassau County | 6,044 | 349 | 22.8% | 1,714 / 823 |
| Okaloosa County | 11,454 | 474 | 20.7% | 3,570 / 1,326 |
| Okeechobee County | 1,730 | 186 | 35.5% | 393 / 202 |
| Orange County | 55,029 | 748 | 28.3% | 14,038 / 6,444 |
| Osceola County | 25,998 | 582 | 29.3% | 8,105 / 2,247 |
| Palm Beach County | 63,472 | 837 | 29.2% | 15,443 / 7,486 |
| Pasco County | 39,658 | 639 | 24.0% | 12,079 / 3,906 |
| Pinellas County | 42,029 | 771 | 26.1% | 10,442 / 5,213 |
| Polk County | 45,313 | 633 | 29.4% | 13,749 / 4,041 |
| Putnam County | 3,494 | 255 | 35.9% | 835 / 371 |
| Santa Rosa County | 13,163 | 426 | 21.8% | 3,886 / 1,539 |
| Sarasota County | 25,708 | 758 | 23.6% | 7,682 / 2,663 |
| Seminole County | 20,068 | 548 | 24.9% | 5,048 / 2,551 |
| St. Johns County | 22,291 | 570 | 19.9% | 7,027 / 2,373 |
| St. Lucie County | 23,319 | 570 | 29.2% | 6,348 / 2,450 |
| Sumter County | 9,485 | 523 | 15.1% | 4,297 / 789 |
| Suwannee County | 1,799 | 178 | 38.3% | 443 / 183 |
| Taylor County | 597 | 131 | 33.6% | 147 / 55 |
| Union County | 400 | 98 | 35.1% | 89 / 52 |
| Volusia County | 30,743 | 646 | 27.0% | 8,095 / 3,692 |
| Wakulla County | 2,260 | 194 | 20.5% | 715 / 231 |
| Walton County | 7,834 | 556 | 23.7% | 2,531 / 878 |
| Washington County | 1,216 | 153 | 34.2% | 305 / 113 |