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2024 data HMDA 2024 disclosure official source

Suwannee County

1,578 mortgage applications, 29.9% denial rate. Verify FIPS 12121 with U.S. Census Bureau →

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Florida · FIPS 12121

Local mortgage market. Suwannee County, Florida saw 1,578 HMDA-reported mortgage applications in 2024. Lenders originated 575 of those loans and denied 471, producing a denial rate of 29.9% and an approval (origination) rate of 36.4%. The average loan amount was $178,967 at an average note rate of 7.38%, with applicants self-reporting average annual income of $39K. 112 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 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 12121 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,578
Applications
575
Originated
29.9%
Denial Rate
36.4%
Approval Rate
$178,967
Avg Loan Amount
7.38%
Avg Interest Rate
$39K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in Suwannee 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 70 12.2%
2 United Wholesale Mortgage 64 11.1%
3 Rocket Mortgage 53 9.2%
4 First Federal Bank 39 6.8%
5 Union Home Mortgage Corp. 18 3.1%
Compare 21st Mortgage vs United Wholesale Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Suwannee County?
In the 2024 HMDA reporting year, 1,578 mortgage applications were filed in Suwannee County, Florida. Of these, 575 were originated (approved and funded), while 471 were denied, resulting in a denial rate of 29.9%.
What is the mortgage denial rate in Suwannee County?
The mortgage denial rate in Suwannee County is 29.9%. The approval (origination) rate is 36.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Suwannee County?
The average mortgage loan amount in Suwannee County is $178,967. The average interest rate is 7.385%. The average applicant income is $39K.
What is the loan-to-income ratio in Suwannee County?
The average loan-to-income ratio in Suwannee County is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Suwannee County?
The top mortgage lenders in Suwannee County by origination volume are 21st Mortgage, United Wholesale Mortgage, Rocket Mortgage. In total, 112 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.