Mortgage lending in Gilchrist County, Florida
Lenders in Gilchrist County, Florida reported 803 mortgage applications for 2025, according to the CFPB.
803 mortgage applications and 401 loans originated in 2025; the denial rate was 27.7% of 614 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Gainesville, FL HUD Metro FMR Area.
- 803
- Applications
- 401
- Loans originated
- 27.7%
- Denial rate
- 170 denied of 614 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 803 | 401 |
| 2024 | 758 | 345 |
| 2023 | 696 | 350 |
| 2022 | 958 | 455 |
| 2021 | 1,156 | 577 |
| 2020 | 942 | 469 |
| 2019 | 710 | 370 |
| 2018 | 671 | 336 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 36 | 47 |
| United Wholesale Mortgage | 36 | 47 |
| 21ST Mortgage | 23 | 84 |
| Campus USA Credit Union | 22 | 26 |
| Affordable Mortgage Advisors | 20 | 27 |
| Union Home Mortgage Corp. | 19 | 21 |
| Seacoast National Bank | 14 | 17 |
| Capital City Bank | 13 | 22 |
| Florida Credit Union | 11 | 31 |
| Radiant Credit Union | 9 | 27 |
| Movement Mortgage, LLC | 9 | 11 |
| New American Funding, LLC. | 9 | 23 |
| Mortgage Research Center | 8 | 25 |
| Southwest Stage Funding LLC | 7 | 10 |
| Ameris Bank | 7 | 9 |
| Navy Federal Credit Union | 6 | 10 |
| Newrez LLC | 6 | 15 |
| Pennymac Loan Services LLC | 6 | 17 |
| Crosscountry Mortgage, LLC | 5 | 11 |
| First Federal Bank | 5 | 6 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 32 |
| American Financial Resources LLC | 4 | 8 |
| American Financial Network, Inc. | 4 | 5 |
| Plains Commerce Bank | 4 | 4 |
| Guaranteed Rate, Inc. | 4 | 11 |
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 | 20 | no rate: base under 50 |
| White | 633 | 26.3% of 491 decided |
| Joint | under 10 | |
| Race Not Available | 128 | 26.4% of 91 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 45 | no rate: base under 50 |
| Not Hispanic or Latino | 603 | 26.7% of 475 decided |
| Joint | 23 | no rate: base under 50 |
| Ethnicity Not Available | 132 | 27.8% of 90 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 265 | 30.0% of 200 decided |
| Female | 174 | 33.6% of 134 decided |
| Joint | 307 | 22.3% of 242 decided |
| Sex Not Available | 57 | 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. 974 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