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2024 data HMDA 2024 disclosure official source

Osceola County

27,431 mortgage applications, 20.0% denial rate. Verify FIPS 12097 with U.S. Census Bureau →

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Florida · FIPS 12097

Local mortgage market. Osceola County, Florida saw 27,431 HMDA-reported mortgage applications in 2024. Lenders originated 12,284 of those loans and denied 5,488, producing a denial rate of 20.0% and an approval (origination) rate of 44.8%. The average loan amount was $314,583 at an average note rate of 6.77%, with applicants self-reporting average annual income of $42K. 503 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 7.5x, meaning typical borrowers took on mortgages of about 7.5 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 12097 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

27,431
Applications
12,284
Originated
20.0%
Denial Rate
44.8%
Approval Rate
$314,583
Avg Loan Amount
6.77%
Avg Interest Rate
$42K
Avg Applicant Income
7.5x
Loan-to-Income Ratio

Nearby Lenders in Osceola 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 1,315 10.7%
2 DHI Mortgage Company, LTD. 738 6.0%
3 Rocket Mortgage 608 4.9%
4 Lennar Mortgage, LLC 417 3.4%
5 Pulte Mortgage LLC 307 2.5%
Compare United Wholesale Mortgage vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Osceola County?
In the 2024 HMDA reporting year, 27,431 mortgage applications were filed in Osceola County, Florida. Of these, 12,284 were originated (approved and funded), while 5,488 were denied, resulting in a denial rate of 20.0%.
What is the mortgage denial rate in Osceola County?
The mortgage denial rate in Osceola County is 20.0%. The approval (origination) rate is 44.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Osceola County?
The average mortgage loan amount in Osceola County is $314,583. The average interest rate is 6.773%. The average applicant income is $42K.
What is the loan-to-income ratio in Osceola County?
The average loan-to-income ratio in Osceola County is 7.5x, meaning borrowers took on loans averaging 7.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Osceola County?
The top mortgage lenders in Osceola County by origination volume are United Wholesale Mortgage, DHI Mortgage Company, LTD., Rocket Mortgage. In total, 503 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.