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2024 data HMDA 2024 disclosure official source

Bradford County

1,065 mortgage applications, 23.9% denial rate. Verify FIPS 12007 with U.S. Census Bureau →

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Florida · FIPS 12007

Local mortgage market. Bradford County, Florida saw 1,065 HMDA-reported mortgage applications in 2024. Lenders originated 436 of those loans and denied 255, producing a denial rate of 23.9% and an approval (origination) rate of 40.9%. The average loan amount was $186,502 at an average note rate of 7.08%, with applicants self-reporting average annual income of $39K. 109 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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 12007 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,065
Applications
436
Originated
23.9%
Denial Rate
40.9%
Approval Rate
$186,502
Avg Loan Amount
7.08%
Avg Interest Rate
$39K
Avg Applicant Income
4.8x
Loan-to-Income Ratio

Nearby Lenders in Bradford 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 United Wholesale Mortgage 37 8.5%
2 VyStar Credit Union 32 7.3%
3 Florida Credit Union 29 6.7%
4 Rocket Mortgage 29 6.7%
5 21st Mortgage 24 5.5%
Compare United Wholesale Mortgage vs VyStar Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Bradford County?
In the 2024 HMDA reporting year, 1,065 mortgage applications were filed in Bradford County, Florida. Of these, 436 were originated (approved and funded), while 255 were denied, resulting in a denial rate of 23.9%.
What is the mortgage denial rate in Bradford County?
The mortgage denial rate in Bradford County is 23.9%. The approval (origination) rate is 40.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bradford County?
The average mortgage loan amount in Bradford County is $186,502. The average interest rate is 7.079%. The average applicant income is $39K.
What is the loan-to-income ratio in Bradford County?
The average loan-to-income ratio in Bradford County is 4.8x, meaning borrowers took on loans averaging 4.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bradford County?
The top mortgage lenders in Bradford County by origination volume are United Wholesale Mortgage, VyStar Credit Union, Florida Credit Union. In total, 109 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.