Panama City-Panama City Beach
Metropolitan Statistical Area · MSA Code 37460
According to CFPB HMDA 2024 application volume among tracked metros, Panama City-Panama City Beach ranks #178 of 418.
Mortgage lending activity in the Panama City-Panama City Beach 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 Panama City-Panama City Beach Metropolitan Statistical Area (MSA code 37460) financed its book at an average note rate of 6.86%. 20 major lenders are tracked for this metro - DHI Mortgage Company, LTD., United Wholesale Mortgage, Tyndall Federal Credit Union lead by origination volume. Among the 418 metros tracked, Panama City-Panama City Beach sits in the 22nd 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 Panama City-Panama City Beach denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 18.7% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $309,934 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 Panama City-Panama City Beach
In Panama City-Panama City Beach, lead originator DHI Mortgage Company, LTD. funded 9.4% of 6,120 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 23.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Panama City-Panama City Beach's 18.7% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Panama City-Panama City Beach's 12,799 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Panama City-Panama City Beach's $309,934 average loan (deduped against denial and volume peers).
Lenders active in the Panama City-Panama City Beach metro
DHI Mortgage Company, LTD. funded 576 of the 6,120 loans originated here, 9.4% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | DHI Mortgage Company, LTD. | 576 | 752 | $304,614 | 9.4% |
| 2 | United Wholesale Mortgage | 427 | 634 | $311,609 | 7.0% |
| 3 | Tyndall Federal Credit Union | 418 | 706 | $137,762 | 6.8% |
| 4 | Rocket Mortgage | 349 | 523 | $263,757 | 5.7% |
| 5 | Trustmark National Bank | 247 | 350 | $216,771 | 4.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For the Panama City-Panama City Beach 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 Panama City-Panama City Beach 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.