Mortgage lending in Okaloosa County, Florida
Lenders in Okaloosa County, Florida reported 9,964 mortgage applications for 2025, according to the CFPB.
9,964 mortgage applications and 5,596 loans originated in 2025; the denial rate was 20.7% of 7,569 applications decided. The median loan was about $305,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area.
- 9,964
- Applications
- 5,596
- Loans originated
- 20.7%
- Denial rate
- 1,566 denied of 7,569 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,964 | 5,596 |
| 2024 | 9,681 | 5,604 |
| 2023 | 9,696 | 5,578 |
| 2022 | 14,779 | 8,389 |
| 2021 | 22,285 | 13,700 |
| 2020 | 20,506 | 12,882 |
| 2019 | 13,610 | 8,539 |
| 2018 | 10,903 | 6,591 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 489 | 690 |
| Crosscountry Mortgage, LLC | 321 | 422 |
| Rocket Mortgage | 316 | 456 |
| Movement Mortgage, LLC | 252 | 321 |
| DHI Mortgage Company, LTD. | 246 | 308 |
| Navy Federal Credit Union | 194 | 449 |
| Mortgage Research Center | 187 | 478 |
| University Bank | 154 | 192 |
| Eglin Federal Credit Union | 148 | 186 |
| Waterstone Mortgage Corporation | 117 | 156 |
| Freedom Mortgage Corporation | 111 | 227 |
| Regions Bank | 103 | 246 |
| Pennymac Loan Services LLC | 95 | 195 |
| Newrez LLC | 86 | 191 |
| New American Funding, LLC. | 81 | 238 |
| Community Bank of Mississippi | 70 | 83 |
| CMG Mortgage Inc | 68 | 84 |
| Primelending | 61 | 88 |
| Towne Mortgage Company | 56 | 61 |
| Nationstar Mortgage | 53 | 73 |
| Kiavi Funding, Inc. | 52 | 77 |
| Ark-LA-Tex Financial Services LLC | 50 | 64 |
| Trustmark Bank | 49 | 61 |
| Assurance Financial Group, L.L.C. | 49 | 60 |
| Canopy Mortgage, LLC | 46 | 61 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 84 | 20.6% of 63 decided |
| Asian | 317 | 19.0% of 232 decided |
| Black or African American | 644 | 28.5% of 470 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 6,376 | 20.3% of 4,921 decided |
| 2 or more minority races | 28 | no rate: base under 50 |
| Joint | 324 | 17.7% of 265 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,162 | 19.9% of 1,572 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 810 | 21.5% of 623 decided |
| Not Hispanic or Latino | 6,724 | 20.5% of 5,154 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,117 | 20.6% of 1,556 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,000 | 21.1% of 3,021 decided |
| Female | 1,723 | 28.1% of 1,315 decided |
| Joint | 3,090 | 16.6% of 2,410 decided |
| Sex Not Available | 1,151 | 19.7% of 823 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. 257 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