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2024 data HMDA 2024 disclosure official source

Holmes County

564 mortgage applications, 24.6% denial rate. Verify FIPS 12059 with U.S. Census Bureau →

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Florida · FIPS 12059

Local mortgage market. Holmes County, Florida saw 564 HMDA-reported mortgage applications in 2024. Lenders originated 218 of those loans and denied 139, producing a denial rate of 24.6% and an approval (origination) rate of 38.7%. The average loan amount was $152,535 at an average note rate of 7.41%, with applicants self-reporting average annual income of $38K. 70 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 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 12059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

564
Applications
218
Originated
24.6%
Denial Rate
38.7%
Approval Rate
$152,535
Avg Loan Amount
7.41%
Avg Interest Rate
$38K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Holmes 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 21st Mortgage 25 11.5%
2 Rocket Mortgage 16 7.3%
3 Community South Credit Union 10 4.6%
4 United Wholesale Mortgage 10 4.6%
5 Tyndall Federal Credit Union 8 3.7%
Compare 21st Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Holmes County?
In the 2024 HMDA reporting year, 564 mortgage applications were filed in Holmes County, Florida. Of these, 218 were originated (approved and funded), while 139 were denied, resulting in a denial rate of 24.6%.
What is the mortgage denial rate in Holmes County?
The mortgage denial rate in Holmes County is 24.6%. The approval (origination) rate is 38.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Holmes County?
The average mortgage loan amount in Holmes County is $152,535. The average interest rate is 7.405%. The average applicant income is $38K.
What is the loan-to-income ratio in Holmes County?
The average loan-to-income ratio in Holmes County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Holmes County?
The top mortgage lenders in Holmes County by origination volume are 21st Mortgage, Rocket Mortgage, Community South Credit Union. In total, 70 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.