Palm Beach County
Florida · FIPS 12099
According to CFPB HMDA 2024 application volume among U.S. counties, Palm Beach County ranks #17 of 3,210, and #4 of 67 in Florida.
Mortgage lending activity in Palm Beach 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. Palm Beach County, Florida saw 60,302 HMDA-reported mortgage applications in 2024. Lenders originated 26,347 of those loans and denied 13,608, producing a denial rate of 22.6% and an approval (origination) rate of 43.7%. The average loan amount was $412,067 at an average note rate of 7.30%, with applicants self-reporting average annual income of $40K. 729 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 10.3x, meaning typical borrowers took on mortgages of about 10.3 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 Palm Beach County
In Palm Beach County, lead originator United Wholesale Mortgage funded 11.6% of 26,347 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 23.7% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Palm Beach County's 60,302 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Palm Beach County's $412,067 average loan (deduped against volume peers).
Lenders active in Palm Beach County
United Wholesale Mortgage funded 3,051 of the 26,347 loans originated in Palm Beach County, 11.6% of the county. 729 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 3,051 | 11.6% |
| 2 | Rocket Mortgage | 1,733 | 6.6% |
| 3 | Crosscountry Mortgage, LLC | 1,448 | 5.5% |
| 4 | Bank of America NA | 820 | 3.1% |
| 5 | Third Federal Savings and Loan | 646 | 2.5% |
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; does not constitute financial advice for Palm Beach County borrowers.
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 Palm Beach County 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. 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.