Mortgage lending in Escambia County, Florida
Lenders in Escambia County, Florida reported 13,447 mortgage applications for 2025, according to the CFPB.
13,447 mortgage applications and 7,167 loans originated in 2025; the denial rate was 24.8% of 10,231 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Pensacola-Ferry Pass-Brent, FL MSA.
- 13,447
- Applications
- 7,167
- Loans originated
- 24.8%
- Denial rate
- 2,540 denied of 10,231 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,447 | 7,167 |
| 2024 | 13,042 | 7,050 |
| 2023 | 13,647 | 7,108 |
| 2022 | 18,758 | 10,118 |
| 2021 | 24,443 | 13,918 |
| 2020 | 20,614 | 11,669 |
| 2019 | 15,489 | 8,749 |
| 2018 | 12,783 | 7,238 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Navy Federal Credit Union | 772 | 1,451 |
| Rocket Mortgage | 435 | 652 |
| United Wholesale Mortgage | 423 | 648 |
| DHI Mortgage Company, LTD. | 381 | 576 |
| Mortgage Research Center | 225 | 479 |
| Regions Bank | 181 | 428 |
| Movement Mortgage, LLC | 179 | 264 |
| The Mortgage Firm | 163 | 197 |
| PenAir Credit Union | 159 | 333 |
| Guild Mortgage Company | 158 | 198 |
| University Bank | 139 | 160 |
| Fairway Independent Mort Corp | 111 | 154 |
| Gulf Winds Credit Union | 104 | 227 |
| Pennymac Loan Services LLC | 98 | 215 |
| Ark-LA-Tex Financial Services LLC | 88 | 113 |
| Freedom Mortgage Corporation | 88 | 224 |
| Guaranteed Rate Affinity, LLC | 86 | 121 |
| CMG Mortgage Inc | 84 | 132 |
| Acrisure Mortgage, LLC | 83 | 111 |
| Lennar Mortgage, LLC | 82 | 105 |
| Kiavi Funding, Inc. | 76 | 107 |
| Newrez LLC | 74 | 183 |
| Synovus Bank | 71 | 121 |
| Crosscountry Mortgage, LLC | 65 | 107 |
| loanDepot.com LLC | 61 | 128 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 83 | 36.9% of 65 decided |
| Asian | 402 | 27.5% of 324 decided |
| Black or African American | 1,485 | 34.9% of 1,119 decided |
| Native Hawaiian or Other Pacific Islander | 39 | no rate: base under 50 |
| White | 8,371 | 22.0% of 6,448 decided |
| 2 or more minority races | 48 | no rate: base under 50 |
| Joint | 342 | 31.6% of 266 decided |
| Race Not Available | 2,677 | 26.5% of 1,946 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 707 | 23.7% of 569 decided |
| Not Hispanic or Latino | 9,749 | 24.4% of 7,478 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,665 | 26.3% of 1,918 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,935 | 25.8% of 3,686 decided |
| Female | 3,308 | 28.1% of 2,560 decided |
| Joint | 3,678 | 20.5% of 2,909 decided |
| Sex Not Available | 1,526 | 25.7% of 1,076 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. 744 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