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2024 data HMDA 2024 disclosure official source

Brevard County

35,876 mortgage applications, 17.2% denial rate. Verify FIPS 12009 with U.S. Census Bureau →

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Florida · FIPS 12009

Local mortgage market. Brevard County, Florida saw 35,876 HMDA-reported mortgage applications in 2024. Lenders originated 16,897 of those loans and denied 6,174, producing a denial rate of 17.2% and an approval (origination) rate of 47.1%. The average loan amount was $268,735 at an average note rate of 6.90%, with applicants self-reporting average annual income of $39K. 544 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 12009 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

35,876
Applications
16,897
Originated
17.2%
Denial Rate
47.1%
Approval Rate
$268,735
Avg Loan Amount
6.90%
Avg Interest Rate
$39K
Avg Applicant Income
6.9x
Loan-to-Income Ratio

Nearby Lenders in Brevard 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 1,614 9.6%
2 Space Coast Credit Union 1,607 9.5%
3 Rocket Mortgage 1,061 6.3%
4 Community Credit Union of Florida 729 4.3%
5 DHI Mortgage Company, LTD. 632 3.7%
Compare United Wholesale Mortgage vs Space Coast Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Brevard County?
In the 2024 HMDA reporting year, 35,876 mortgage applications were filed in Brevard County, Florida. Of these, 16,897 were originated (approved and funded), while 6,174 were denied, resulting in a denial rate of 17.2%.
What is the mortgage denial rate in Brevard County?
The mortgage denial rate in Brevard County is 17.2%. The approval (origination) rate is 47.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Brevard County?
The average mortgage loan amount in Brevard County is $268,735. The average interest rate is 6.897%. The average applicant income is $39K.
What is the loan-to-income ratio in Brevard County?
The average loan-to-income ratio in Brevard County is 6.9x, meaning borrowers took on loans averaging 6.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Brevard County?
The top mortgage lenders in Brevard County by origination volume are United Wholesale Mortgage, Space Coast Credit Union, Rocket Mortgage. In total, 544 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.