Mortgage lending in Flagler County, Florida
Lenders in Flagler County, Florida reported 8,151 mortgage applications for 2025, according to the CFPB.
8,151 mortgage applications and 4,584 loans originated in 2025; the denial rate was 24.0% of 6,408 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 housing hub: Palm Coast, FL HUD Metro FMR Area.
- 8,151
- Applications
- 4,584
- Loans originated
- 24.0%
- Denial rate
- 1,537 denied of 6,408 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,151 | 4,584 |
| 2024 | 7,829 | 4,312 |
| 2023 | 7,750 | 4,240 |
| 2022 | 10,281 | 5,660 |
| 2021 | 15,293 | 9,063 |
| 2020 | 12,559 | 7,374 |
| 2019 | 8,433 | 4,938 |
| 2018 | 7,693 | 4,334 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 586 | 777 |
| Rocket Mortgage | 332 | 460 |
| DHI Mortgage Company, LTD. | 270 | 392 |
| VyStar Credit Union | 139 | 308 |
| Space Coast Credit Union | 130 | 243 |
| loanDepot.com LLC | 120 | 205 |
| Truist Bank | 106 | 189 |
| CMG Mortgage Inc | 105 | 139 |
| Pennymac Loan Services LLC | 97 | 176 |
| Bank of America NA | 91 | 225 |
| Coastal Loans, LLC | 86 | 98 |
| KBHS Home Loans, LLC | 84 | 126 |
| Ameris Bank | 76 | 112 |
| Crosscountry Mortgage, LLC | 73 | 117 |
| Navy Federal Credit Union | 72 | 145 |
| The Loan Store, Inc | 69 | 104 |
| PNC Bank N.A. | 67 | 156 |
| Mortgage Research Center | 62 | 164 |
| Inspire Home Loans Inc. | 56 | 87 |
| Newrez LLC | 50 | 148 |
| Freedom Mortgage Corporation | 46 | 125 |
| Wells Fargo Bank NA | 46 | 71 |
| Nationstar Mortgage | 45 | 66 |
| RMC Home Mortgage, LLC | 41 | 50 |
| Acrisure Mortgage, LLC | 38 | 47 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 43 | no rate: base under 50 |
| Asian | 192 | 25.2% of 147 decided |
| Black or African American | 521 | 30.7% of 407 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,730 | 22.3% of 4,588 decided |
| 2 or more minority races | 21 | no rate: base under 50 |
| Joint | 185 | 18.2% of 159 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,447 | 29.1% of 1,048 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 771 | 28.5% of 629 decided |
| Not Hispanic or Latino | 5,657 | 22.7% of 4,523 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,449 | 27.3% of 1,031 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,754 | 25.0% of 2,167 decided |
| Female | 1,823 | 26.8% of 1,460 decided |
| Joint | 2,922 | 20.0% of 2,344 decided |
| Sex Not Available | 652 | 30.9% of 437 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. 401 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