Mortgage lending in Hernando County, Florida
Lenders in Hernando County, Florida reported 12,366 mortgage applications for 2025, according to the CFPB.
12,366 mortgage applications and 6,982 loans originated in 2025; the denial rate was 25.0% of 9,850 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: Tampa-St. Petersburg-Clearwater, FL MSA.
- 12,366
- Applications
- 6,982
- Loans originated
- 25.0%
- Denial rate
- 2,459 denied of 9,850 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,366 | 6,982 |
| 2024 | 11,744 | 6,425 |
| 2023 | 11,588 | 6,098 |
| 2022 | 15,513 | 8,157 |
| 2021 | 20,042 | 11,281 |
| 2020 | 16,998 | 9,542 |
| 2019 | 13,354 | 7,285 |
| 2018 | 11,728 | 6,355 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 870 | 1,189 |
| Rocket Mortgage | 499 | 732 |
| Suncoast Credit Union | 499 | 731 |
| Everett Financial, Inc. | 202 | 287 |
| DHI Mortgage Company, LTD. | 184 | 235 |
| loanDepot.com LLC | 174 | 349 |
| Click n' Close, Inc. | 157 | 208 |
| Newrez LLC | 120 | 255 |
| Regions Bank | 119 | 268 |
| Pennymac Loan Services LLC | 119 | 247 |
| Truist Bank | 113 | 262 |
| Mortgage Research Center | 99 | 263 |
| Crosscountry Mortgage, LLC | 95 | 183 |
| Bank of America NA | 93 | 247 |
| Midflorida Credit Union | 92 | 209 |
| CMG Mortgage Inc | 91 | 123 |
| RMC Home Mortgage, LLC | 91 | 113 |
| Freedom Mortgage Corporation | 89 | 212 |
| Navy Federal Credit Union | 80 | 193 |
| Fairway Independent Mort Corp | 79 | 118 |
| Union Home Mortgage Corp. | 79 | 93 |
| M/I Financial. LLC | 74 | 89 |
| Brannen Bank | 74 | 86 |
| Pulte Mortgage LLC | 63 | 96 |
| New American Funding, LLC. | 57 | 130 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 58 | no rate: base under 50 |
| Asian | 180 | 29.0% of 148 decided |
| Black or African American | 575 | 32.2% of 457 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 9,117 | 23.6% of 7,383 decided |
| 2 or more minority races | 24 | no rate: base under 50 |
| Joint | 240 | 23.6% of 195 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,145 | 28.4% of 1,579 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,489 | 23.2% of 2,021 decided |
| Not Hispanic or Latino | 7,556 | 24.7% of 6,109 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,960 | 29.5% of 1,430 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,451 | 26.0% of 3,506 decided |
| Female | 2,912 | 28.5% of 2,386 decided |
| Joint | 3,963 | 19.6% of 3,222 decided |
| Sex Not Available | 1,040 | 31.7% of 736 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. 524 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