FL · Statewide HMDA 2024
Florida mortgage lending
According to the CFPB HMDA 2024 Snapshot, 1,816 reporting lenders · 67 counties · 25 metros.
Volume rank is not origination-share rank
According to the CFPB HMDA 2024 Snapshot, Florida ranks #2 of 54 by application volume but #51 of 52 states with 10,000+ applications on origination share (45.4%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.
- #51
- Origination-share rank of 52
- 45.4%
- Origination share
- 474,630
- Originated
- 19.8%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
1,045,632reported applications
CFPB HMDA state filing plate
State FL · Florida 19.8% denial
VOL-MEGA · DEN-STEEP · NEAR-PEER · ORIG-FLOOR · BOOK-FULL · LEAD-MIX
- VOL-MEGA #2/54
- DEN-STEEP 19.8%
- NEAR-PEER Rhode Island
- ORIG-FLOOR 45.4%
- BOOK-FULL 1816 lenders
- LEAD-MIX 10% top
Photo-finish peer: Rhode Island · 19.4% denial (-0.4pp vs Florida)
2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.
Denial-rate neighbourhood · Florida
Poles and nearest peers by statewide HMDA denial rate, not a full state roster.
Nationwide states with similar HMDA denial rate or application volume
Two statewide peer sets for Florida: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.
Similar denial rate
Nearest states by statewide denial rate (19.8% here).
Similar application volume
Nearest states by HMDA applications filed (1,045,632 here).
Top lenders by originations · Florida
Funded loans among HMDA-reporting institutions active in this state.
Where Florida sits by application volume
2024 CFPB HMDA states and territories, bucketed by mortgage applications filed
1,045,632 Top 4% higher than 96% of 54 states and territories
Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year
Top counties by originations · Florida
In-state county volume from the same HMDA county board linked below.
How to read this state sheet. Florida filed 1,045,632 HMDA-reported applications in 2024 (#2 of 54 by volume) with a 19.8% denial rate - 2.7pp above the national 17.2% baseline. White applicants (595,138 apps) show 21.2% denial; Black or African American applicants (90,004 apps) show 28.8% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.
Nearby Lenders in Florida
Top HMDA-reporting lenders active in Florida. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 47,648 | 10.0% |
| 2 | Rocket Mortgage | 29,670 | 6.3% |
| 3 | DHI Mortgage Company, LTD. | 13,481 | 2.8% |
| 4 | Lennar Mortgage, LLC | 10,908 | 2.3% |
| 5 | Crosscountry Mortgage, LLC | 9,917 | 2.1% |
Reported outcomes by applicant race in Florida
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 595,138 | 53.9% | 21.2% |
| Black or African American | 90,004 | 44.6% | 28.8% |
| Asian | 33,510 | 52.3% | 19.8% |
| Joint | 16,622 | 56.7% | 19.5% |
| American Indian or Alaska Native | 5,036 | 42.6% | 29.9% |
| 2 or more minority races | 2,328 | 42.5% | 32.3% |
| Native Hawaiian or Other Pacific Islander | 1,956 | 41.1% | 32.0% |
Every county in Florida, by lending volume
County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| Miami-Dade County | 82,352 | 33,574 | 25.4% | $467,642 |
| Broward County | 76,983 | 31,647 | 24.8% | $382,699 |
| Hillsborough County | 64,054 | 29,702 | 19.6% | $319,484 |
| Palm Beach County | 60,302 | 26,347 | 22.6% | $412,067 |
| Orange County | 53,790 | 24,102 | 21.0% | $333,646 |
| Polk County | 47,187 | 20,886 | 20.1% | $253,225 |
| Lee County | 46,398 | 22,135 | 18.6% | $304,842 |
| Duval County | 46,258 | 20,898 | 18.7% | $262,778 |
| Pasco County | 40,422 | 19,228 | 16.4% | $283,093 |
| Pinellas County | 40,355 | 18,808 | 20.0% | $315,175 |
| Brevard County | 35,876 | 16,897 | 17.2% | $268,735 |
| Volusia County | 30,695 | 14,202 | 19.3% | $255,820 |
| Osceola County | 27,431 | 12,284 | 20.0% | $314,583 |
| Marion County | 26,785 | 12,350 | 19.2% | $229,544 |
| Manatee County | 24,873 | 12,380 | 16.5% | $342,957 |
| St. Lucie County | 24,640 | 10,702 | 20.1% | $277,474 |
| Lake County | 24,585 | 11,664 | 17.1% | $285,265 |
| Sarasota County | 24,015 | 11,608 | 17.6% | $351,864 |
| St. Johns County | 21,955 | 10,882 | 13.6% | $373,297 |
| Seminole County | 19,322 | 9,102 | 19.0% | $296,112 |
| Collier County | 18,392 | 9,009 | 19.2% | $455,640 |
| Escambia County | 14,944 | 7,035 | 17.1% | $249,751 |
| Charlotte County | 14,656 | 6,979 | 17.4% | $316,336 |
| Hernando County | 13,661 | 6,400 | 18.5% | $242,111 |
| Clay County | 12,485 | 5,886 | 16.9% | $255,488 |
| Santa Rosa County | 12,173 | 5,958 | 14.7% | $284,204 |
| Bay County | 11,626 | 5,614 | 18.2% | $318,343 |
| Okaloosa County | 11,146 | 5,607 | 14.8% | $322,747 |
| Citrus County | 9,779 | 4,587 | 18.1% | $253,422 |
| Leon County | 9,601 | 4,426 | 17.1% | $337,005 |
| Flagler County | 9,179 | 4,303 | 17.4% | $282,995 |
| Alachua County | 9,038 | 4,229 | 18.9% | $248,205 |
| Indian River County | 8,187 | 3,794 | 19.2% | $284,173 |
| Walton County | 7,236 | 3,615 | 16.8% | $556,978 |
| Sumter County | 7,151 | 4,274 | 11.9% | $281,932 |
| Martin County | 6,758 | 3,231 | 19.0% | $424,374 |
| Nassau County | 5,785 | 2,882 | 15.9% | $317,920 |
| Highlands County | 4,845 | 2,218 | 20.4% | $212,851 |
| Monroe County | 3,120 | 1,482 | 21.3% | $661,413 |
| Putnam County | 3,114 | 1,210 | 24.4% | $177,771 |
| Columbia County | 2,546 | 1,059 | 22.6% | $194,026 |
| Levy County | 2,450 | 948 | 26.2% | $188,233 |
| Hendry County | 2,238 | 839 | 26.1% | $223,454 |
| Wakulla County | 2,062 | 951 | 14.7% | $205,262 |
| Okeechobee County | 1,630 | 639 | 25.3% | $217,626 |
| Suwannee County | 1,578 | 575 | 29.9% | $178,967 |
| Jackson County | 1,521 | 562 | 30.0% | $162,705 |
| Gadsden County | 1,516 | 503 | 28.5% | $176,761 |
| Washington County | 1,171 | 504 | 23.9% | $171,089 |
| DeSoto County | 1,101 | 439 | 24.6% | $194,519 |
| Bradford County | 1,065 | 436 | 23.9% | $186,502 |
| Gulf County | 958 | 438 | 18.7% | $404,885 |
| Baker County | 957 | 436 | 18.1% | $235,293 |
| Gilchrist County | 845 | 343 | 23.2% | $189,296 |
| Hardee County | 669 | 296 | 20.6% | $190,531 |
| Franklin County | 664 | 276 | 18.7% | $340,602 |
| Taylor County | 584 | 209 | 24.1% | $164,829 |
| Jefferson County | 579 | 202 | 30.9% | $205,190 |
| Holmes County | 564 | 218 | 24.6% | $152,535 |
| Madison County | 563 | 196 | 28.8% | $173,224 |
| Dixie County | 497 | 169 | 25.6% | $163,089 |
| Glades County | 463 | 176 | 23.1% | $231,220 |
| Hamilton County | 413 | 159 | 27.6% | $181,005 |
| Union County | 386 | 154 | 24.1% | $189,352 |
| Calhoun County | 359 | 140 | 28.7% | $167,340 |
| Liberty County | 186 | 62 | 24.2% | $148,280 |
| Lafayette County | 143 | 64 | 23.8% | $181,713 |
Metro Areas in Florida
Frequently Asked Questions
How many mortgage applications were filed in Florida?
Where does Florida sit among U.S. states for mortgage volume?
What is the mortgage denial rate in Florida?
What is the average mortgage loan amount in Florida?
How many mortgage lenders operate in Florida?
How do mortgage denial rates vary by demographics in Florida?
Which counties in Florida have the most mortgage activity?
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
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 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.