North Port-Bradenton-Sarasota
Metropolitan Statistical Area · MSA Code 35840
According to CFPB HMDA 2024 application volume among tracked metros, North Port-Bradenton-Sarasota ranks #60 of 418.
Mortgage lending activity in the North Port-Bradenton-Sarasota 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 North Port-Bradenton-Sarasota Metropolitan Statistical Area (MSA code 35840) financed its book at an average note rate of 7.02%. 20 major lenders are tracked for this metro - United Wholesale Mortgage, Rocket Mortgage, DHI Mortgage Company, LTD. lead by origination volume. Among the 418 metros tracked, North Port-Bradenton-Sarasota sits in the 44th percentile for approval-friendliness by denial rate, and shares its 5-point denial-rate band with 241 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 North Port-Bradenton-Sarasota denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 17.0% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $348,105 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 North Port-Bradenton-Sarasota
In North Port-Bradenton-Sarasota, lead originator United Wholesale Mortgage funded only 6.6% of 23,991 originated loans, below the fleet's lower tercile (~8.7% top-1 share). The top three reporters together hold 15.6% of the book, so shopping across channels still meets many active filers.
Metros With a Similar Denial Rate
The metro areas closest to North Port-Bradenton-Sarasota's 17.0% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to North Port-Bradenton-Sarasota's 48,892 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to North Port-Bradenton-Sarasota's $348,105 average loan (deduped against denial and volume peers).
Lenders active in the North Port-Bradenton-Sarasota metro
United Wholesale Mortgage funded 1,587 of the 23,991 loans originated here, 6.6% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 1,587 | 2,308 | $380,152 | 6.6% |
| 2 | Rocket Mortgage | 1,240 | 1,777 | $281,967 | 5.2% |
| 3 | DHI Mortgage Company, LTD. | 922 | 1,212 | $352,624 | 3.8% |
| 4 | Lennar Mortgage, LLC | 828 | 1,195 | $349,996 | 3.5% |
| 5 | Taylor Morrison Home Funding, INC. | 715 | 1,056 | $401,629 | 3.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the North Port-Bradenton-Sarasota metropolitan area, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- Metropolitan Statistical Areas are defined by the U.S. Office of Management and Budget (OMB). Not financial advice for North Port-Bradenton-Sarasota 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.