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2024 data HMDA 2024 disclosure official source

Nassau County

5,785 mortgage applications, 15.9% denial rate. Verify FIPS 12089 with U.S. Census Bureau →

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Florida · FIPS 12089

Local mortgage market. Nassau County, Florida saw 5,785 HMDA-reported mortgage applications in 2024. Lenders originated 2,882 of those loans and denied 918, producing a denial rate of 15.9% and an approval (origination) rate of 49.8%. The average loan amount was $317,920 at an average note rate of 6.93%, with applicants self-reporting average annual income of $39K. 301 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.2x, meaning typical borrowers took on mortgages of about 8.2 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 12089 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,785
Applications
2,882
Originated
15.9%
Denial Rate
49.8%
Approval Rate
$317,920
Avg Loan Amount
6.93%
Avg Interest Rate
$39K
Avg Applicant Income
8.2x
Loan-to-Income Ratio

Nearby Lenders in Nassau 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 240 8.3%
2 Rocket Mortgage 219 7.6%
3 Navy Federal Credit Union 151 5.2%
4 Pulte Mortgage LLC 132 4.6%
5 VyStar Credit Union 132 4.6%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Nassau County?
In the 2024 HMDA reporting year, 5,785 mortgage applications were filed in Nassau County, Florida. Of these, 2,882 were originated (approved and funded), while 918 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Nassau County?
The mortgage denial rate in Nassau County is 15.9%. The approval (origination) rate is 49.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Nassau County?
The average mortgage loan amount in Nassau County is $317,920. The average interest rate is 6.934%. The average applicant income is $39K.
What is the loan-to-income ratio in Nassau County?
The average loan-to-income ratio in Nassau County is 8.2x, meaning borrowers took on loans averaging 8.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Nassau County?
The top mortgage lenders in Nassau County by origination volume are United Wholesale Mortgage, Rocket Mortgage, Navy Federal Credit Union. In total, 301 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.