Mortgage lending in Monroe County, Florida
Lenders in Monroe County, Florida reported 3,114 mortgage applications for 2025, according to the CFPB.
3,114 mortgage applications and 1,632 loans originated in 2025; the denial rate was 29.0% of 2,419 applications decided. The median loan was about $585,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Monroe County, FL.
- 3,114
- Applications
- 1,632
- Loans originated
- 29.0%
- Denial rate
- 701 denied of 2,419 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,114 | 1,632 |
| 2024 | 2,901 | 1,495 |
| 2023 | 2,732 | 1,382 |
| 2022 | 4,556 | 2,499 |
| 2021 | 8,161 | 4,790 |
| 2020 | 7,194 | 4,122 |
| 2019 | 4,578 | 2,599 |
| 2018 | 3,882 | 2,132 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 239 | 356 |
| First Horizon Bank | 162 | 282 |
| Rocket Mortgage | 80 | 118 |
| Crosscountry Mortgage, LLC | 51 | 75 |
| Southstate Bank, National Association | 43 | 56 |
| Centennial Bank | 42 | 70 |
| A&d Mortgage LLC | 39 | 63 |
| Angel Oak Mortgage Solutions LLC | 31 | 41 |
| Citizens Bank, NA | 27 | 47 |
| Navy Federal Credit Union | 26 | 61 |
| The Loan Store, Inc | 25 | 35 |
| Deephaven Mortgage LLC | 25 | 44 |
| Bank of America NA | 23 | 85 |
| Pennymac Loan Services LLC | 22 | 54 |
| HomeXpress Mortgage Corp. | 20 | 36 |
| Truist Bank | 20 | 43 |
| JPMorgan Chase Bank, NA | 19 | 35 |
| ClearEdge Lending LLC | 18 | 25 |
| Figure Lending LLC | 15 | 31 |
| Morgan Stanley Private Bank NA | 14 | 17 |
| Lennar Mortgage, LLC | 14 | 26 |
| Nationstar Mortgage | 14 | 26 |
| Champions Funding, LLC | 14 | 25 |
| Citadel Servicing Corporation | 13 | 28 |
| loanDepot.com LLC | 13 | 24 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 11 | no rate: base under 50 |
| Asian | 28 | no rate: base under 50 |
| Black or African American | 38 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,452 | 27.9% of 1,923 decided |
| 2 or more minority races | under 10 | |
| Joint | 55 | no rate: base under 50 |
| Race Not Available | 526 | 33.1% of 390 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 806 | 27.9% of 634 decided |
| Not Hispanic or Latino | 1,713 | 28.7% of 1,342 decided |
| Joint | 94 | 25.3% of 79 decided |
| Ethnicity Not Available | 501 | 32.7% of 364 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,264 | 31.4% of 972 decided |
| Female | 475 | 32.5% of 382 decided |
| Joint | 1,065 | 23.5% of 855 decided |
| Sex Not Available | 310 | 33.8% of 210 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. 14 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