Jacksonville Mortgage Lending in 2025

Explore mortgage lending activity in Jacksonville (MSA/MD Code 27260) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 27260
27,785 Loans Originated
• Primary State: Florida (FL)
• $10.26 Billion Originated Volume
• $325,000 Median Loan
Actionable Applications 35,672 +1.27% vs 2024
Approval Rate 81.55% +0.06 pp vs 2024
Denial Rate 18.45% -0.06 pp vs 2024
Loan Originations 27,785 +1.68% vs 2024
Originated Volume $10.26 Billion +3.68% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 35,672 actionable applications (Actions 1, 2, and 3).

81.55%
18.45%
29,092 approved 6,580 denied
Action 1: Originated
27,785 (77.89%)
Action 2: Approved not accepted
1,307 (3.66%)
Action 3: Denied
6,580 (18.45%)
Action 4: Withdrawn (not in denominator)
8,401 —
Action 5: Incomplete (not in denominator)
2,622 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Jacksonville Compares

Metro vs. State Baseline (2025)

Metric Jacksonville Florida
Actionable Apps 35,672 399,809
Approval Rate 81.55% 78.90%
Denial Rate 18.45% 21.10%
Originations 27,785 301,023
Originated Volume $10.26 Billion $118.41 Billion
Median Loan $325,000 $335,000
Compared against Florida statewide baseline in 2025.

Lending Trends in Jacksonville

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 46,034 46,695 +1.44%
Actionable Apps 35,225 35,672 +1.27%
Originations 27,327 27,785 +1.68%
Approval Rate 81.49% 81.55% +0.06 pp
Denial Rate 18.51% 18.45% -0.06 pp
Median Loan $315,000 $325,000 +3.17%
Dollar Volume $9.89 Billion $10.26 Billion +3.68%

Applications by Borrower Income (Jacksonville)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 8,035 87.26% 12.74%
$150k+ 8,549 90.64% 9.36%
$50k–$99,999 13,001 80.36% 19.64%
<$50k 3,358 53.28% 46.72%
Income unavailable/entity 2,729 76.77% 23.23%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Florida (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 27260, anchored in Florida (FL).
Metro Share of State Apps 8.92%
Metro Share of State Volume 8.66%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Florida statewide mortgage activity

Jacksonville is part of OpenFileData’s statewide coverage of Florida. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Florida Statewide Overview Active Profile
Statewide Actionable Applications: 399,809
Explore Florida State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Florida Profile

Compare all metropolitan areas located in Florida.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.