Mortgage lending in Bay County, Florida
Lenders in Bay County, Florida reported 10,864 mortgage applications for 2025, according to the CFPB.
10,864 mortgage applications and 6,006 loans originated in 2025; the denial rate was 23.8% of 8,377 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Panama City, FL HUD Metro FMR Area.
- 10,864
- Applications
- 6,006
- Loans originated
- 23.8%
- Denial rate
- 1,993 denied of 8,377 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,864 | 6,006 |
| 2024 | 10,415 | 5,630 |
| 2023 | 10,925 | 5,809 |
| 2022 | 14,456 | 7,794 |
| 2021 | 19,741 | 10,993 |
| 2020 | 17,427 | 9,955 |
| 2019 | 11,949 | 6,484 |
| 2018 | 9,763 | 5,221 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| DHI Mortgage Company, LTD. | 532 | 740 |
| United Wholesale Mortgage | 416 | 584 |
| Rocket Mortgage | 393 | 556 |
| Tyndall Federal Credit Union | 322 | 526 |
| Trustmark Bank | 233 | 317 |
| Regions Bank | 169 | 390 |
| Crosscountry Mortgage, LLC | 166 | 261 |
| Acrisure Mortgage, LLC | 139 | 158 |
| Mortgage Research Center | 138 | 349 |
| Navy Federal Credit Union | 135 | 281 |
| Centennial Bank | 99 | 165 |
| Wells Fargo Bank NA | 98 | 134 |
| Innovations Financial Credit Union | 90 | 143 |
| Newrez LLC | 78 | 206 |
| Lendsure Mortgage Corp. | 78 | 103 |
| Cadence Bank | 77 | 108 |
| Guild Mortgage Company | 74 | 100 |
| Community Bank of Mississippi | 69 | 85 |
| Freedom Mortgage Corporation | 67 | 148 |
| Pennymac Loan Services LLC | 66 | 149 |
| 21ST Mortgage | 51 | 314 |
| Ameris Bank | 44 | 68 |
| Northpointe Bank | 43 | 77 |
| loanDepot.com LLC | 42 | 85 |
| Panhandle Credit Union | 42 | 58 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 62 | no rate: base under 50 |
| Asian | 303 | 29.8% of 228 decided |
| Black or African American | 637 | 36.1% of 479 decided |
| Native Hawaiian or Other Pacific Islander | 20 | no rate: base under 50 |
| White | 7,528 | 22.4% of 5,902 decided |
| 2 or more minority races | 20 | no rate: base under 50 |
| Joint | 239 | 27.0% of 185 decided |
| Race Not Available | 2,055 | 24.3% of 1,505 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 743 | 27.5% of 581 decided |
| Not Hispanic or Latino | 7,773 | 23.2% of 6,057 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,087 | 24.4% of 1,538 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,025 | 25.4% of 3,055 decided |
| Female | 2,205 | 29.4% of 1,721 decided |
| Joint | 3,435 | 19.4% of 2,711 decided |
| Sex Not Available | 1,199 | 20.8% of 890 decided |
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. 400 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