Gainesville
Metropolitan Statistical Area · MSA Code 23540
According to CFPB HMDA 2024 application volume among tracked metros, Gainesville ranks #186 of 418.
Mortgage lending activity in the Gainesville metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Gainesville Metropolitan Statistical Area (MSA code 23540) recorded 12,334 HMDA-reported mortgage applications in 2024. Lenders originated 5,521 of those and denied others at a rate of 20.7%, for an approval (origination) rate of 44.8%. The average loan amount across the MSA was $234,222 at an average note rate of 7.03%. 20 major lenders are tracked for this metro - Campus Usa Credit Union, United Wholesale Mortgage, Rocket Mortgage lead by origination volume. Among the 418 metros tracked, Gainesville ranks #387 by denial rate (the 7th percentile for approval-friendliness), and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Gainesville denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 20.7% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $234,222 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Gainesville
In Gainesville, lead originator Campus Usa Credit Union funded only 7.7% of 5,521 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 20.5% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to Gainesville's 20.7% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Gainesville's 12,334 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Gainesville's $234,222 average loan (deduped against denial and volume peers).
Lenders active in the Gainesville metro
Campus Usa Credit Union funded 423 of the 5,521 loans originated here, 7.7% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | Campus Usa Credit Union | 423 | 545 | $193,514 | 7.7% |
| 2 | United Wholesale Mortgage | 389 | 552 | $267,772 | 7.0% |
| 3 | Rocket Mortgage | 319 | 456 | $230,943 | 5.8% |
| 4 | DHI Mortgage Company, LTD. | 226 | 275 | $333,436 | 4.1% |
| 5 | Florida Credit Union | 204 | 718 | $125,794 | 3.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Gainesville 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 Gainesville 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.