Mortgage lending in Putnam County, Florida
Lenders in Putnam County, Florida reported 3,160 mortgage applications for 2025, according to the CFPB.
3,160 mortgage applications and 1,393 loans originated in 2025; the denial rate was 35.9% of 2,322 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Putnam County, FL.
- 3,160
- Applications
- 1,393
- Loans originated
- 35.9%
- Denial rate
- 833 denied of 2,322 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,160 | 1,393 |
| 2024 | 2,802 | 1,211 |
| 2023 | 2,720 | 1,155 |
| 2022 | 3,433 | 1,453 |
| 2021 | 3,988 | 1,842 |
| 2020 | 3,146 | 1,507 |
| 2019 | 2,387 | 1,129 |
| 2018 | 2,250 | 1,012 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 141 | 205 |
| Rocket Mortgage | 114 | 187 |
| Crosscountry Mortgage, LLC | 98 | 150 |
| VyStar Credit Union | 80 | 224 |
| 21ST Mortgage | 49 | 305 |
| Union Home Mortgage Corp. | 39 | 51 |
| Equity Prime Mortgage LLC | 38 | 59 |
| Mortgage Research Center | 33 | 76 |
| Ameris Bank | 30 | 45 |
| New American Funding, LLC. | 29 | 73 |
| Southstate Bank, National Association | 25 | 42 |
| Inspire Home Loans Inc. | 21 | 25 |
| Navy Federal Credit Union | 19 | 39 |
| Pennymac Loan Services LLC | 19 | 39 |
| American Financial Resources LLC | 18 | 24 |
| Guild Mortgage Company | 18 | 29 |
| loanDepot.com LLC | 17 | 36 |
| Capital City Bank | 16 | 31 |
| Affordable Mortgage Advisors | 16 | 25 |
| Guaranteed Rate, Inc. | 15 | 26 |
| Newrez LLC | 14 | 48 |
| Gold Star Mortgage Financial Group, Corporation | 13 | 19 |
| Triad Financial Services, Inc. | 13 | 58 |
| Freedom Mortgage Corporation | 13 | 40 |
| Cardinal Financial Company, Li | 13 | 17 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 30 | no rate: base under 50 |
| Asian | 22 | no rate: base under 50 |
| Black or African American | 269 | 47.4% of 190 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,241 | 35.2% of 1,665 decided |
| 2 or more minority races | under 10 | |
| Joint | 48 | no rate: base under 50 |
| Free Form Text Only | under 10 | |
| Race Not Available | 539 | 31.2% of 381 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 231 | 51.5% of 169 decided |
| Not Hispanic or Latino | 2,272 | 34.0% of 1,698 decided |
| Joint | withheld | |
| Ethnicity Not Available | 583 | 36.3% of 399 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,138 | 34.2% of 827 decided |
| Female | 745 | 43.8% of 564 decided |
| Joint | 974 | 31.6% of 731 decided |
| Sex Not Available | 303 | 36.0% of 200 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. 1234 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