Mortgage lending in Baker County, Florida
Lenders in Baker County, Florida reported 931 mortgage applications for 2025, according to the CFPB.
931 mortgage applications and 514 loans originated in 2025; the denial rate was 25.3% of 734 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Baker County, FL HUD Metro FMR Area.
- 931
- Applications
- 514
- Loans originated
- 25.3%
- Denial rate
- 186 denied of 734 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 931 | 514 |
| 2024 | 847 | 436 |
| 2023 | 910 | 453 |
| 2022 | 1,256 | 604 |
| 2021 | 1,861 | 1,012 |
| 2020 | 1,467 | 815 |
| 2019 | 1,074 | 599 |
| 2018 | 1,049 | 560 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| VyStar Credit Union | 47 | 95 |
| United Wholesale Mortgage | 47 | 62 |
| First Federal Bank | 42 | 52 |
| Rocket Mortgage | 37 | 49 |
| Mortgage Research Center | 16 | 32 |
| Towne Mortgage Company | 16 | 25 |
| 21ST Mortgage | 16 | 82 |
| American Pacific Mortgage Corporation | 13 | 14 |
| New American Funding, LLC. | 11 | 20 |
| Navy Federal Credit Union | 10 | 30 |
| Inspire Home Loans Inc. | 10 | 13 |
| Guild Mortgage Company | 10 | 16 |
| Movement Mortgage, LLC | 10 | 16 |
| Crosscountry Mortgage, LLC | 10 | 11 |
| Pennymac Loan Services LLC | 10 | 15 |
| Freedom Mortgage Corporation | 9 | 14 |
| Union Home Mortgage Corp. | 8 | 9 |
| Everett Financial, Inc. | 8 | 11 |
| Carrington Mortgage Services LLC | 7 | 15 |
| Ameris Bank | 7 | 8 |
| CMG Mortgage Inc | 6 | 6 |
| loanDepot.com LLC | 5 | 8 |
| Triad Financial Services, Inc. | 5 | 17 |
| Newrez LLC | 5 | 15 |
| Kind Lending, LLC | 5 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 10 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 46 | no rate: base under 50 |
| White | 741 | 24.1% of 588 decided |
| 2 or more minority races | under 10 | |
| Joint | 12 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 113 | 22.6% of 84 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 31 | no rate: base under 50 |
| Not Hispanic or Latino | 736 | 23.6% of 592 decided |
| Joint | 25 | no rate: base under 50 |
| Ethnicity Not Available | 139 | 28.3% of 99 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 334 | 26.8% of 254 decided |
| Female | 200 | 34.4% of 151 decided |
| Joint | 337 | 19.3% of 285 decided |
| Sex Not Available | 60 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 664 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved