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2024 data HMDA 2024 disclosure official source

Duval County

46,258 mortgage applications, 18.7% denial rate. Verify FIPS 12031 with U.S. Census Bureau →

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Florida · FIPS 12031

Local mortgage market. Duval County, Florida saw 46,258 HMDA-reported mortgage applications in 2024. Lenders originated 20,898 of those loans and denied 8,657, producing a denial rate of 18.7% and an approval (origination) rate of 45.2%. The average loan amount was $262,778 at an average note rate of 6.87%, with applicants self-reporting average annual income of $40K. 544 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 12031 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

46,258
Applications
20,898
Originated
18.7%
Denial Rate
45.2%
Approval Rate
$262,778
Avg Loan Amount
6.87%
Avg Interest Rate
$40K
Avg Applicant Income
6.6x
Loan-to-Income Ratio

Nearby Lenders in Duval 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 2,296 11.0%
2 Rocket Mortgage 1,267 6.1%
3 VyStar Credit Union 1,110 5.3%
4 Navy Federal Credit Union 984 4.7%
5 Community First Credit Union of FLorida 643 3.1%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Duval County?
In the 2024 HMDA reporting year, 46,258 mortgage applications were filed in Duval County, Florida. Of these, 20,898 were originated (approved and funded), while 8,657 were denied, resulting in a denial rate of 18.7%.
What is the mortgage denial rate in Duval County?
The mortgage denial rate in Duval County is 18.7%. The approval (origination) rate is 45.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Duval County?
The average mortgage loan amount in Duval County is $262,778. The average interest rate is 6.871%. The average applicant income is $40K.
What is the loan-to-income ratio in Duval County?
The average loan-to-income ratio in Duval County is 6.6x, meaning borrowers took on loans averaging 6.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Duval County?
The top mortgage lenders in Duval County by origination volume are United Wholesale Mortgage, Rocket Mortgage, VyStar Credit Union. 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.