Mortgage lending in Indian River County, Florida
Lenders in Indian River County, Florida reported 7,713 mortgage applications for 2025, according to the CFPB.
7,713 mortgage applications and 4,153 loans originated in 2025; the denial rate was 26.4% of 6,034 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 housing hub: Sebastian-Vero Beach-West Vero Corridor, FL MSA.
- 7,713
- Applications
- 4,153
- Loans originated
- 26.4%
- Denial rate
- 1,595 denied of 6,034 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,713 | 4,153 |
| 2024 | 7,207 | 3,803 |
| 2023 | 6,974 | 3,739 |
| 2022 | 10,090 | 5,659 |
| 2021 | 15,338 | 9,014 |
| 2020 | 13,360 | 7,952 |
| 2019 | 9,471 | 5,593 |
| 2018 | 8,523 | 4,911 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 328 | 471 |
| Rocket Mortgage | 311 | 430 |
| Space Coast Credit Union | 209 | 390 |
| Guild Mortgage Company | 118 | 168 |
| Midflorida Credit Union | 110 | 256 |
| loanDepot.com LLC | 103 | 169 |
| Southstate Bank, National Association | 98 | 132 |
| PNC Bank N.A. | 95 | 223 |
| Crosscountry Mortgage, LLC | 90 | 128 |
| Union Home Mortgage Corp. | 82 | 113 |
| Pulte Mortgage LLC | 79 | 122 |
| DHI Mortgage Company, LTD. | 75 | 116 |
| Bank of America NA | 67 | 217 |
| Seacoast National Bank | 66 | 128 |
| Contour Mortgage Corporation | 64 | 81 |
| Newrez LLC | 62 | 188 |
| NVR Mortgage Finance, Inc. | 62 | 80 |
| Movement Mortgage, LLC | 56 | 74 |
| Freedom Mortgage Corporation | 55 | 119 |
| RMC Home Mortgage, LLC | 55 | 67 |
| JPMorgan Chase Bank, NA | 54 | 95 |
| TD Bank | 52 | 120 |
| Pennymac Loan Services LLC | 49 | 134 |
| Presidential Bank, FSB | 48 | 55 |
| Navy Federal Credit Union | 47 | 97 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 31 | no rate: base under 50 |
| Asian | 105 | 20.0% of 70 decided |
| Black or African American | 350 | 39.9% of 288 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,696 | 24.6% of 4,538 decided |
| 2 or more minority races | 10 | no rate: base under 50 |
| Joint | 123 | 24.5% of 94 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,386 | 30.9% of 1,000 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 759 | 31.1% of 611 decided |
| Not Hispanic or Latino | 5,315 | 24.6% of 4,231 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,414 | 30.5% of 1,012 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,710 | 26.8% of 2,082 decided |
| Female | 1,622 | 32.2% of 1,289 decided |
| Joint | 2,655 | 20.8% of 2,177 decided |
| Sex Not Available | 726 | 35.0% of 486 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. 525 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