Mortgage lending in Gulf County, Florida
Lenders in Gulf County, Florida reported 958 mortgage applications for 2025, according to the CFPB.
958 mortgage applications and 485 loans originated in 2025; the denial rate was 24.6% of 688 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Gulf County, FL.
- 958
- Applications
- 485
- Loans originated
- 24.6%
- Denial rate
- 169 denied of 688 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 958 | 485 |
| 2024 | 852 | 440 |
| 2023 | 927 | 477 |
| 2022 | 1,223 | 631 |
| 2021 | 1,528 | 842 |
| 2020 | 1,335 | 735 |
| 2019 | 938 | 436 |
| 2018 | 827 | 388 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| DHI Mortgage Company, LTD. | 65 | 98 |
| Centennial Bank | 59 | 104 |
| Tyndall Federal Credit Union | 25 | 42 |
| Rocket Mortgage | 25 | 38 |
| United Wholesale Mortgage | 15 | 28 |
| Fairway Independent Mort Corp | 10 | 14 |
| Primis Bank | 9 | 14 |
| Mortgage Research Center | 8 | 22 |
| Pennymac Loan Services LLC | 8 | 16 |
| Capital City Home Loans, LLC | 7 | 11 |
| 21ST Mortgage | 7 | 33 |
| Nexbank | 6 | 8 |
| Peoplessouth Bank | 6 | 6 |
| Regions Bank | 6 | 12 |
| Capital City Bank | 5 | 7 |
| Consumer Real Estate Finance Co DBA Society Mortgage | 5 | 8 |
| Truist Bank | 5 | 10 |
| American Financial Resources LLC | 4 | 4 |
| Navy Federal Credit Union | 4 | 6 |
| Newrez LLC | 4 | 16 |
| CMG Mortgage Inc | 4 | 9 |
| Plains Commerce Bank | 4 | 4 |
| Nationstar Mortgage | 4 | 5 |
| Calhoun Liberty Credit Union | 4 | 4 |
| loanDepot.com LLC | 3 | 6 |
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 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 730 | 24.1% of 532 decided |
| 2 or more minority races | under 10 | |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 176 | 25.2% of 127 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 24 | no rate: base under 50 |
| Not Hispanic or Latino | 714 | 23.9% of 522 decided |
| Joint | 10 | no rate: base under 50 |
| Ethnicity Not Available | 210 | 25.9% of 143 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 289 | 27.7% of 202 decided |
| Female | 176 | 28.4% of 134 decided |
| Joint | 374 | 20.3% of 266 decided |
| Sex Not Available | 119 | 24.4% of 86 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. 300 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