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2024 data HMDA 2024 disclosure official source

Volusia County

30,695 mortgage applications, 19.3% denial rate. Verify FIPS 12127 with U.S. Census Bureau →

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Florida · FIPS 12127

Local mortgage market. Volusia County, Florida saw 30,695 HMDA-reported mortgage applications in 2024. Lenders originated 14,202 of those loans and denied 5,925, producing a denial rate of 19.3% and an approval (origination) rate of 46.3%. The average loan amount was $255,820 at an average note rate of 6.96%, with applicants self-reporting average annual income of $40K. 582 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 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 12127 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

30,695
Applications
14,202
Originated
19.3%
Denial Rate
46.3%
Approval Rate
$255,820
Avg Loan Amount
6.96%
Avg Interest Rate
$40K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Volusia 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 1,325 9.3%
2 Rocket Mortgage 1,004 7.1%
3 Space Coast Credit Union 569 4.0%
4 DHI Mortgage Company, LTD. 556 3.9%
5 Waterstone Mortgage Corporation 305 2.1%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Volusia County?
In the 2024 HMDA reporting year, 30,695 mortgage applications were filed in Volusia County, Florida. Of these, 14,202 were originated (approved and funded), while 5,925 were denied, resulting in a denial rate of 19.3%.
What is the mortgage denial rate in Volusia County?
The mortgage denial rate in Volusia County is 19.3%. The approval (origination) rate is 46.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Volusia County?
The average mortgage loan amount in Volusia County is $255,820. The average interest rate is 6.965%. The average applicant income is $40K.
What is the loan-to-income ratio in Volusia County?
The average loan-to-income ratio in Volusia County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Volusia County?
The top mortgage lenders in Volusia County by origination volume are United Wholesale Mortgage, Rocket Mortgage, Space Coast Credit Union. In total, 582 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.