Florida County
Puerto Rico · FIPS 72054
According to CFPB HMDA 2024 application volume among U.S. counties, Florida County ranks #2,994 of 3,223, and #65 of 78 in Puerto Rico.
Mortgage lending activity in Florida County, Puerto Rico 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. Florida County, Puerto Rico lenders denied 5 of the applications reported here, financing the rest at an average note rate of 6.64%, with applicants self-reporting average annual income of $36K. 18 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 2.3x, meaning typical borrowers took on mortgages of about 2.3 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 Florida County
In Florida County, lead originator Actual Mortgage Bankers funded 17.6% of 34 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Florida County's 62 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Florida County's $81,290 average loan (deduped against volume peers).
Lenders active in Florida County
Actual Mortgage Bankers funded 6 of the 34 loans originated in Florida County, 17.6% of the county. 18 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Actual Mortgage Bankers | 6 | 17.6% |
| 2 | FIRSTBANK | 4 | 11.8% |
| 3 | Cooperativa De Ac Arecibo | 3 | 8.8% |
| 4 | Home Mortgage Bankers | 2 | 5.9% |
| 5 | Preferred Mortgage Corporation | 2 | 5.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Florida County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Florida County borrowers. 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.