Mortgage lending in Madison County, Florida
Lenders in Madison County, Florida reported 585 mortgage applications for 2025, according to the CFPB.
585 mortgage applications and 208 loans originated in 2025; the denial rate was 44.2% of 416 applications decided. The median loan was about $160,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the low-income housing hub: Madison County, FL.
- 585
- Applications
- 208
- Loans originated
- 44.2%
- Denial rate
- 184 denied of 416 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 585 | 208 |
| 2024 | 520 | 196 |
| 2023 | 464 | 165 |
| 2022 | 552 | 206 |
| 2021 | 709 | 319 |
| 2020 | 548 | 203 |
| 2019 | 460 | 164 |
| 2018 | 420 | 136 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 24 | 33 |
| United Wholesale Mortgage | 21 | 31 |
| 21ST Mortgage | 17 | 148 |
| Capital City Home Loans, LLC | 12 | 14 |
| loanDepot.com LLC | 7 | 11 |
| Navy Federal Credit Union | 5 | 12 |
| Mortgage Research Center | 5 | 16 |
| HomeXpress Mortgage Corp. | 5 | 7 |
| CSL Financial, LLC | 4 | 4 |
| Guardian Bank | 3 | 3 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 31 |
| American Financial Network, Inc. | 3 | 6 |
| Triad Financial Services, Inc. | 3 | 23 |
| New American Funding, LLC. | 3 | 8 |
| Mortgage Lenders Investment TR | 3 | 4 |
| University Bank | 3 | 3 |
| Everett Financial, Inc. | 3 | 4 |
| Wells Fargo Bank NA | 3 | 6 |
| Guaranteed Rate Affinity, LLC | 2 | 2 |
| Primelending | 2 | 4 |
| Planet Home Lending, LLC | 2 | 4 |
| Florida Credit Union | 2 | 4 |
| JMAC Lending, Inc. | 2 | 2 |
| Campus USA Credit Union | 2 | 2 |
| First Commerce Credit Union | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | 163 | 70.3% of 121 decided |
| White | 325 | 31.1% of 228 decided |
| 2 or more minority races | under 10 | |
| Joint | 13 | no rate: base under 50 |
| Race Not Available | 79 | 41.2% of 51 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 31 | no rate: base under 50 |
| Not Hispanic or Latino | 430 | 41.4% of 307 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 113 | 54.4% of 79 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 197 | 38.5% of 130 decided |
| Female | 158 | 53.8% of 119 decided |
| Joint | 185 | 40.9% of 137 decided |
| Sex Not Available | 45 | 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. 1678 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