Gulf County
Florida · FIPS 12045
According to CFPB HMDA 2024 application volume among U.S. counties, Gulf County ranks #1,470 of 3,223, and #52 of 67 in Florida.
Mortgage lending activity in Gulf 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. Gulf County, Florida lenders denied 179 of the applications reported here, financing the rest at an average note rate of 7.22%, with applicants self-reporting average annual income of $38K. 153 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.7x, meaning typical borrowers took on mortgages of about 10.7 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 Gulf County
In Gulf County, lead originator Centennial Bank funded only 9.4% of 438 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.4% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Gulf County's 958 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Gulf County's $404,885 average loan (deduped against volume peers).
Lenders active in Gulf County
Centennial Bank funded 41 of the 438 loans originated in Gulf County, 9.4% of the county. 153 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Centennial Bank | 41 | 9.4% |
| 2 | DHI Mortgage Company, LTD. | 31 | 7.1% |
| 3 | United Wholesale Mortgage | 26 | 5.9% |
| 4 | Rocket Mortgage | 25 | 5.7% |
| 5 | Primis Bank | 23 | 5.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Gulf County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Gulf County borrowers. 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.