Mortgage lending in Clay County, Florida
Lenders in Clay County, Florida reported 11,017 mortgage applications for 2025, according to the CFPB.
11,017 mortgage applications and 6,081 loans originated in 2025; the denial rate was 24.6% of 8,519 applications decided. The median loan was about $255,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Jacksonville, FL HUD Metro FMR Area.
- 11,017
- Applications
- 6,081
- Loans originated
- 24.6%
- Denial rate
- 2,095 denied of 8,519 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,017 | 6,081 |
| 2024 | 10,822 | 5,901 |
| 2023 | 10,722 | 5,796 |
| 2022 | 15,156 | 7,990 |
| 2021 | 20,677 | 11,646 |
| 2020 | 18,531 | 10,614 |
| 2019 | 12,917 | 7,455 |
| 2018 | 10,884 | 6,147 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 667 | 896 |
| VyStar Credit Union | 412 | 865 |
| Rocket Mortgage | 405 | 574 |
| Navy Federal Credit Union | 326 | 664 |
| Lennar Mortgage, LLC | 254 | 334 |
| Jet HomeLoans, LP | 218 | 319 |
| DHI Mortgage Company, LTD. | 171 | 244 |
| Guild Mortgage Company | 135 | 192 |
| Community First Credit Union of FLorida | 131 | 209 |
| loanDepot.com LLC | 130 | 246 |
| Freedom Mortgage Corporation | 128 | 266 |
| Mortgage Research Center | 125 | 310 |
| Pennymac Loan Services LLC | 117 | 234 |
| Pulte Mortgage LLC | 87 | 129 |
| CMG Mortgage Inc | 75 | 121 |
| Movement Mortgage, LLC | 67 | 106 |
| Newrez LLC | 65 | 171 |
| Crosscountry Mortgage, LLC | 64 | 112 |
| Radifi Federal Credit Union | 63 | 78 |
| Loanpeople, LLC | 62 | 74 |
| Mattamy Home Funding LLC | 56 | 69 |
| PNC Bank N.A. | 55 | 106 |
| First Federal Bank | 55 | 71 |
| Ameris Bank | 53 | 87 |
| Network Funding, L.P. | 51 | 58 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 67 | no rate: base under 50 |
| Asian | 318 | 28.7% of 237 decided |
| Black or African American | 1,400 | 30.4% of 1,045 decided |
| Native Hawaiian or Other Pacific Islander | 26 | no rate: base under 50 |
| White | 6,931 | 22.3% of 5,493 decided |
| 2 or more minority races | 38 | no rate: base under 50 |
| Joint | 285 | 21.5% of 223 decided |
| Race Not Available | 1,952 | 28.5% of 1,424 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,130 | 24.7% of 884 decided |
| Not Hispanic or Latino | 7,692 | 23.6% of 6,021 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,855 | 28.9% of 1,344 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,131 | 24.3% of 3,176 decided |
| Female | 2,382 | 30.7% of 1,871 decided |
| Joint | 3,581 | 19.6% of 2,843 decided |
| Sex Not Available | 923 | 30.5% of 629 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. 522 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