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2024 data HMDA 2024 disclosure official source

Alachua County

9,038 mortgage applications, 18.9% denial rate. Verify FIPS 12001 with U.S. Census Bureau →

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Florida · FIPS 12001

Local mortgage market. Alachua County, Florida saw 9,038 HMDA-reported mortgage applications in 2024. Lenders originated 4,229 of those loans and denied 1,710, producing a denial rate of 18.9% and an approval (origination) rate of 46.8%. The average loan amount was $248,205 at an average note rate of 6.99%, with applicants self-reporting average annual income of $38K. 311 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.5x, meaning typical borrowers took on mortgages of about 6.5 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 12001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

9,038
Applications
4,229
Originated
18.9%
Denial Rate
46.8%
Approval Rate
$248,205
Avg Loan Amount
6.99%
Avg Interest Rate
$38K
Avg Applicant Income
6.5x
Loan-to-Income Ratio

Nearby Lenders in Alachua County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Campus Usa Credit Union 391 9.2%
2 United Wholesale Mortgage 270 6.4%
3 Rocket Mortgage 234 5.5%
4 DHI Mortgage Company, LTD. 226 5.3%
5 Florida Credit Union 164 3.9%
Compare Campus Usa Credit Union vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Alachua County?
In the 2024 HMDA reporting year, 9,038 mortgage applications were filed in Alachua County, Florida. Of these, 4,229 were originated (approved and funded), while 1,710 were denied, resulting in a denial rate of 18.9%.
What is the mortgage denial rate in Alachua County?
The mortgage denial rate in Alachua County is 18.9%. The approval (origination) rate is 46.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Alachua County?
The average mortgage loan amount in Alachua County is $248,205. The average interest rate is 6.988%. The average applicant income is $38K.
What is the loan-to-income ratio in Alachua County?
The average loan-to-income ratio in Alachua County is 6.5x, meaning borrowers took on loans averaging 6.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Alachua County?
The top mortgage lenders in Alachua County by origination volume are Campus Usa Credit Union, United Wholesale Mortgage, Rocket Mortgage. In total, 311 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.