Mortgage lending in Wakulla County, Florida
Lenders in Wakulla County, Florida reported 1,873 mortgage applications for 2025, according to the CFPB.
1,873 mortgage applications and 1,073 loans originated in 2025; the denial rate was 20.5% of 1,424 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Wakulla County, FL HUD Metro FMR Area.
- 1,873
- Applications
- 1,073
- Loans originated
- 20.5%
- Denial rate
- 292 denied of 1,424 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,873 | 1,073 |
| 2024 | 1,704 | 952 |
| 2023 | 1,531 | 842 |
| 2022 | 1,958 | 1,141 |
| 2021 | 2,677 | 1,631 |
| 2020 | 2,388 | 1,461 |
| 2019 | 1,548 | 915 |
| 2018 | 1,380 | 813 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| DHI Mortgage Company, LTD. | 136 | 223 |
| University Bank | 100 | 120 |
| Rocket Mortgage | 78 | 97 |
| loanDepot.com LLC | 60 | 81 |
| United Wholesale Mortgage | 42 | 52 |
| Movement Mortgage, LLC | 38 | 54 |
| First Commerce Credit Union | 33 | 52 |
| Capital City Home Loans, LLC | 33 | 44 |
| Centennial Bank | 31 | 59 |
| Mortgage Research Center | 27 | 58 |
| Ameris Bank | 20 | 36 |
| Prime Meridian Bank | 18 | 26 |
| Capital City Bank | 16 | 25 |
| Gulf Winds Credit Union | 16 | 28 |
| Navy Federal Credit Union | 14 | 30 |
| Towne Mortgage Company | 13 | 15 |
| Nationstar Mortgage | 12 | 16 |
| Truist Bank | 12 | 23 |
| Pennymac Loan Services LLC | 12 | 29 |
| Newrez LLC | 11 | 26 |
| Crosscountry Mortgage, LLC | 11 | 18 |
| 21ST Mortgage | 11 | 67 |
| Bell Bank | 10 | 13 |
| Fairway Independent Mort Corp | 9 | 9 |
| Carrington Mortgage Services LLC | 9 | 21 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 25 | no rate: base under 50 |
| Black or African American | 243 | 29.8% of 191 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,288 | 18.4% of 980 decided |
| 2 or more minority races | under 10 | |
| Joint | 37 | no rate: base under 50 |
| Race Not Available | 264 | 21.1% of 190 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 73 | 26.2% of 61 decided |
| Not Hispanic or Latino | 1,464 | 19.7% of 1,119 decided |
| Joint | 37 | no rate: base under 50 |
| Ethnicity Not Available | 299 | 23.3% of 215 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 627 | 20.9% of 473 decided |
| Female | 478 | 25.7% of 377 decided |
| Joint | 628 | 16.6% of 481 decided |
| Sex Not Available | 140 | 17.2% of 93 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. 868 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