Mortgage lending in Highlands County, Florida
Lenders in Highlands County, Florida reported 4,544 mortgage applications for 2025, according to the CFPB.
4,544 mortgage applications and 2,448 loans originated in 2025; the denial rate was 27.7% of 3,586 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Sebring, FL MSA.
- 4,544
- Applications
- 2,448
- Loans originated
- 27.7%
- Denial rate
- 994 denied of 3,586 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,544 | 2,448 |
| 2024 | 4,289 | 2,228 |
| 2023 | 4,116 | 2,100 |
| 2022 | 5,160 | 2,718 |
| 2021 | 7,084 | 3,971 |
| 2020 | 5,684 | 3,209 |
| 2019 | 4,339 | 2,439 |
| 2018 | 3,988 | 2,209 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Midflorida Credit Union | 241 | 501 |
| Rocket Mortgage | 199 | 282 |
| United Wholesale Mortgage | 198 | 274 |
| Leaderone Financial Corp. | 152 | 212 |
| Metroplex Mortgage Services | 93 | 113 |
| Seacoast National Bank | 76 | 120 |
| Freedom Mortgage Corporation | 51 | 117 |
| Bell Bank | 51 | 59 |
| Southstate Bank, National Association | 48 | 80 |
| Pennymac Loan Services LLC | 43 | 77 |
| Crosscountry Mortgage, LLC | 41 | 71 |
| Mortgage Research Center | 35 | 97 |
| New American Funding, LLC. | 35 | 84 |
| Suncoast Credit Union | 35 | 62 |
| Inspire Home Loans Inc. | 33 | 64 |
| NFM, Inc | 33 | 51 |
| Nationstar Mortgage | 31 | 39 |
| Planet Home Lending, LLC | 27 | 38 |
| Acrisure Mortgage, LLC | 27 | 30 |
| Newrez LLC | 27 | 91 |
| Crews Bank & Trust | 27 | 34 |
| Truist Bank | 27 | 54 |
| Navy Federal Credit Union | 26 | 50 |
| Kiavi Funding, Inc. | 25 | 29 |
| Plains Commerce Bank | 25 | 31 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 35 | no rate: base under 50 |
| Asian | 68 | 37.3% of 51 decided |
| Black or African American | 280 | 42.0% of 226 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,265 | 26.3% of 2,617 decided |
| 2 or more minority races | under 10 | |
| Joint | 59 | 15.7% of 51 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 822 | 28.1% of 604 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 944 | 29.4% of 756 decided |
| Not Hispanic or Latino | 2,740 | 26.5% of 2,180 decided |
| Joint | 120 | 20.6% of 102 decided |
| Ethnicity Not Available | 740 | 31.8% of 548 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,627 | 28.5% of 1,236 decided |
| Female | 1,011 | 31.8% of 822 decided |
| Joint | 1,497 | 24.7% of 1,234 decided |
| Sex Not Available | 409 | 25.9% of 294 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. 1113 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