Collier County
Florida · FIPS 12021
According to CFPB HMDA 2024 application volume among U.S. counties, Collier County ranks #153 of 3,210, and #21 of 67 in Florida.
Mortgage lending activity in Collier County, Florida based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Collier County, Florida saw 18,392 HMDA-reported mortgage applications in 2024. Lenders originated 9,009 of those loans and denied 3,533, producing a denial rate of 19.2% and an approval (origination) rate of 49.0%. The average loan amount was $455,640 at an average note rate of 7.28%, with applicants self-reporting average annual income of $39K. 603 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.7x, meaning typical borrowers took on mortgages of about 11.7 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Collier County
In Collier County, lead originator Crosscountry Mortgage, LLC funded only 6.9% of 9,009 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 19.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Collier County's 18,392 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Collier County's $455,640 average loan (deduped against volume peers).
Lenders active in Collier County
Crosscountry Mortgage, LLC funded 625 of the 9,009 loans originated in Collier County, 6.9% of the county. 603 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Crosscountry Mortgage, LLC | 625 | 6.9% |
| 2 | United Wholesale Mortgage | 560 | 6.2% |
| 3 | Suncoast Credit Union | 535 | 5.9% |
| 4 | Rocket Mortgage | 535 | 5.9% |
| 5 | Lake Michigan Credit Union | 267 | 3.0% |
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; does not constitute financial advice for Collier County borrowers.
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 Collier County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.