PlainLender

DATA MORTGAGE, INC.

OCALA, FL

DATA MORTGAGE, INC. processed 7,918 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 308 loans with a 0.4% denial rate. Home Purchase was the primary loan purpose. Based in OCALA, FL. The approval rate of 3.9% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. DATA MORTGAGE, INC. processed 7,918 HMDA-reported mortgage applications in 2024, originating 308 loans and denying 34 for a denial rate of 0.4% (applicants themselves withdrew 122 files before a decision). The average loan amount was $282,901 at a 6.617% average note rate, and applicants self-reported an average income of $40,000. The lender reports under LEI 5493008E4KBJCB6UKR64 from OCALA, FL.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. DATA MORTGAGE, INC.'s 3.9% origination rate tells you how often an application turned into funded money; the 0.4% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in FHA loans (7,635 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

7,918
Applications
308
Originated
0.4%
Denial Rate
$282,901
Avg Loan Amount
Avg Interest Rate: 6.617% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
FHA 7,635 124 16 $277,147
Conventional 235 171 17 $441,468
VA 43 13 0 $453,837
USDA 5 0 1 $147,000

Top loan types — DATA MORTGAGE, INC.

Top loan types — DATA MORTGAGE, INC. Horizontal bar chart of the top 4 items by value (applications). Top loan types — DATA MORTGAGE, INC. Top 4 1. FHA 7,635 2. Conventional 235 3. VA 43 4. USDA 5 Top 5 loan types by application volume at DATA MORTGAGE, INC. (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for DATA MORTGAGE, INC. (LEI: 5493008E4KBJCB6UKR64) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
15
Debt-to-income ratio
12
Collateral
8
Unverifiable information
7
Other
4
Credit application incomplete
3
Insufficient cash
3
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 6,705 180 $290,906
Cash-out Refinancing 998 42 $196,673
Refinancing 214 86 $433,972

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 297 63.6% 5.7%
Black or African American 68 44.1% 7.3%
Asian 33 60.6% 12.1%
Joint 23 78.3% 8.7%
American Indian or Alaska Native 6 16.7% 16.7%
Native Hawaiian or Other Pacific Islander 5 80.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 318 63.2% 7.5%
Hispanic or Latino 98 53.1% 3.1%
Joint 17 76.5% 5.9%

Nearby Lenders in FL

Other HMDA-reporting lenders in FL with similar activity. Compare any two side-by-side.

FREEDOM MORTGAGE CORPORATION

BOCA RATON, FL

252,504 apps 57,345 originated 4.9% denied

Lakeview Loan Servicing, LLC

Coral Gables, FL

96,650 apps 10,540 originated 25.2% denied

TRIAD FINANCIAL SERVICES, INC.

JACKSONVILLE, FL

86,581 apps 12,731 originated 55.6% denied

LENNAR MORTGAGE, LLC

MIAMI, FL

75,233 apps 55,530 originated 12.4% denied

PHH MORTGAGE CORPORATION

West Palm Beach, FL

62,326 apps 4,770 originated 3.4% denied
Compare DATA MORTGAGE, INC. vs FREEDOM MORTGAGE CORPORATION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did DATA MORTGAGE, INC. process?
DATA MORTGAGE, INC. processed 7,918 mortgage applications in the 2023 HMDA reporting year. Of these, 308 were originated (approved and funded), 122 were withdrawn by the applicant, and 34 were denied.
What is DATA MORTGAGE, INC.'s mortgage approval rate?
DATA MORTGAGE, INC. has an approval (origination) rate of 3.9%, meaning 3.9% of all applications resulted in a funded mortgage. The denial rate is 0.4%.
What is the average loan amount at DATA MORTGAGE, INC.?
The average mortgage loan amount at DATA MORTGAGE, INC. is $282,901. The average interest rate is 6.617%. The average applicant income is $40,000.
What are the most common reasons for mortgage denial at DATA MORTGAGE, INC.?
The most common reasons for mortgage denial at DATA MORTGAGE, INC. are: Credit history, Debt-to-income ratio, Collateral. In total, 34 applications were denied out of 7,918 total applications.
What types of mortgage loans does DATA MORTGAGE, INC. offer?
DATA MORTGAGE, INC. processes FHA, Conventional, VA, USDA loans. The most common type is FHA with 7,635 applications and an average loan amount of $277,147.
What loan purposes does DATA MORTGAGE, INC. serve?
DATA MORTGAGE, INC. serves the following loan purposes: Home Purchase (6,705 applications), Cash-out Refinancing (998 applications), Refinancing (214 applications). Home Purchase is the most common purpose.
Where is DATA MORTGAGE, INC. located?
DATA MORTGAGE, INC. is headquartered in OCALA, FL. The lender is identified by LEI 5493008E4KBJCB6UKR64 in HMDA data.
How does DATA MORTGAGE, INC. compare in lending across racial demographics?
DATA MORTGAGE, INC. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 63.6% and denial rate of 5.7%; Black or African American applicants have an approval rate of 44.1% and denial rate of 7.3%; Asian applicants have an approval rate of 60.6% and denial rate of 12.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.