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2024 data HMDA 2024 disclosure official source

Collier County

18,392 mortgage applications, 19.2% denial rate. Verify FIPS 12021 with U.S. Census Bureau →

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Florida · FIPS 12021

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.

FIPS 12021 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

18,392
Applications
9,009
Originated
19.2%
Denial Rate
49.0%
Approval Rate
$455,640
Avg Loan Amount
7.28%
Avg Interest Rate
$39K
Avg Applicant Income
11.7x
Loan-to-Income Ratio

Nearby Lenders in Collier 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 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%
Compare Crosscountry Mortgage, LLC vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Collier County?
In the 2024 HMDA reporting year, 18,392 mortgage applications were filed in Collier County, Florida. Of these, 9,009 were originated (approved and funded), while 3,533 were denied, resulting in a denial rate of 19.2%.
What is the mortgage denial rate in Collier County?
The mortgage denial rate in Collier County is 19.2%. The approval (origination) rate is 49.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Collier County?
The average mortgage loan amount in Collier County is $455,640. The average interest rate is 7.276%. The average applicant income is $39K.
What is the loan-to-income ratio in Collier County?
The average loan-to-income ratio in Collier County is 11.7x, meaning borrowers took on loans averaging 11.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Collier County?
The top mortgage lenders in Collier County by origination volume are Crosscountry Mortgage, LLC, United Wholesale Mortgage, Suncoast Credit Union. In total, 603 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.