Mortgage lending in Franklin County, Florida
Lenders in Franklin County, Florida reported 601 mortgage applications for 2025, according to the CFPB.
601 mortgage applications and 313 loans originated in 2025; the denial rate was 27.1% of 458 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: Franklin County, FL.
- 601
- Applications
- 313
- Loans originated
- 27.1%
- Denial rate
- 124 denied of 458 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 601 | 313 |
| 2024 | 609 | 279 |
| 2023 | 584 | 298 |
| 2022 | 851 | 425 |
| 2021 | 1,143 | 588 |
| 2020 | 984 | 545 |
| 2019 | 608 | 299 |
| 2018 | 546 | 276 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| CMG Mortgage Inc | 35 | 50 |
| Centennial Bank | 19 | 36 |
| Rocket Mortgage | 19 | 27 |
| Peoplessouth Bank | 14 | 14 |
| Calhoun Liberty Credit Union | 14 | 14 |
| Ameris Bank | 12 | 16 |
| loanDepot.com LLC | 10 | 20 |
| United Wholesale Mortgage | 7 | 12 |
| Crosscountry Mortgage, LLC | 7 | 8 |
| 21ST Mortgage | 7 | 29 |
| Tyndall Federal Credit Union | 6 | 16 |
| Capital City Home Loans, LLC | 6 | 8 |
| Thomasville National Bank | 6 | 6 |
| Truist Bank | 6 | 8 |
| University Bank | 5 | 5 |
| Prime Meridian Bank | 5 | 6 |
| Figure Lending LLC | 4 | 7 |
| American Pacific Mortgage Corporation | 4 | 10 |
| Capital City Bank | 3 | 5 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 27 |
| First Florida Credit Union | 3 | 3 |
| American Neighborhood Mortgage Acceptance Company | 3 | 3 |
| Newrez LLC | 3 | 7 |
| Charles Schwab Bank, SSB | 3 | 4 |
| Angel Oak Mortgage Solutions LLC | 3 | 5 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 33 | no rate: base under 50 |
| White | 436 | 24.5% of 343 decided |
| Joint | under 10 | |
| Race Not Available | 120 | 28.6% of 84 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 461 | 27.2% of 361 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 120 | 25.6% of 82 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 160 | 25.4% of 122 decided |
| Female | 132 | 37.9% of 95 decided |
| Joint | 240 | 21.8% of 193 decided |
| Sex Not Available | 69 | 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. 402 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