Mortgage lending in Osceola County, Florida
Lenders in Osceola County, Florida reported 22,176 mortgage applications for 2025, according to the CFPB.
22,176 mortgage applications and 11,546 loans originated in 2025; the denial rate was 29.3% of 17,426 applications decided. The median loan was about $325,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Orlando-Kissimmee-Sanford, FL MSA.
- 22,176
- Applications
- 11,546
- Loans originated
- 29.3%
- Denial rate
- 5,101 denied of 17,426 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 22,176 | 11,546 |
| 2024 | 23,358 | 12,319 |
| 2023 | 24,016 | 12,046 |
| 2022 | 31,348 | 15,792 |
| 2021 | 40,788 | 22,768 |
| 2020 | 35,242 | 19,279 |
| 2019 | 25,479 | 14,150 |
| 2018 | 20,992 | 11,340 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,235 | 1,794 |
| DHI Mortgage Company, LTD. | 665 | 886 |
| Rocket Mortgage | 575 | 848 |
| Lennar Mortgage, LLC | 369 | 569 |
| Pulte Mortgage LLC | 333 | 557 |
| Crosscountry Mortgage, LLC | 298 | 473 |
| A&d Mortgage LLC | 227 | 337 |
| loanDepot.com LLC | 227 | 381 |
| Pennymac Loan Services LLC | 176 | 462 |
| JPMorgan Chase Bank, NA | 173 | 285 |
| New American Funding, LLC. | 171 | 411 |
| Cornerstone First Mortgage, LLC | 167 | 219 |
| NFM, Inc | 163 | 204 |
| Trailblazer Mortgage L.L.C. | 152 | 198 |
| M/I Financial. LLC | 150 | 184 |
| Acrisure Mortgage, LLC | 144 | 198 |
| Freedom Mortgage Corporation | 133 | 370 |
| Taylor Morrison Home Funding, Inc. | 133 | 273 |
| Navy Federal Credit Union | 128 | 379 |
| Banco do Brasil Americas | 127 | 157 |
| Newrez LLC | 123 | 417 |
| AmWest Funding Corp | 123 | 185 |
| Bank of America NA | 120 | 461 |
| Vanderbilt Mortgage and Finance, Inc | 116 | 189 |
| The Mortgage Firm | 107 | 130 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 221 | 38.4% of 177 decided |
| Asian | 982 | 28.2% of 747 decided |
| Black or African American | 1,865 | 34.4% of 1,407 decided |
| Native Hawaiian or Other Pacific Islander | 74 | 40.3% of 62 decided |
| White | 12,868 | 27.1% of 10,346 decided |
| 2 or more minority races | 70 | 59.6% of 52 decided |
| Joint | 420 | 26.6% of 342 decided |
| Free Form Text Only | 13 | no rate: base under 50 |
| Race Not Available | 5,663 | 32.2% of 4,285 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 10,793 | 30.5% of 8,649 decided |
| Not Hispanic or Latino | 7,042 | 27.1% of 5,529 decided |
| Joint | 614 | 25.7% of 490 decided |
| Ethnicity Not Available | 3,715 | 30.4% of 2,748 decided |
| Free Form Text Only | 12 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 8,412 | 30.1% of 6,557 decided |
| Female | 5,115 | 32.6% of 4,062 decided |
| Joint | 6,670 | 25.7% of 5,411 decided |
| Sex Not Available | 1,979 | 29.2% of 1,396 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. 206 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