Mortgage lending in Santa Rosa County, Florida
Lenders in Santa Rosa County, Florida reported 11,247 mortgage applications for 2025, according to the CFPB.
11,247 mortgage applications and 6,361 loans originated in 2025; the denial rate was 21.8% of 8,614 applications decided. The median loan was about $285,000. 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.
- 11,247
- Applications
- 6,361
- Loans originated
- 21.8%
- Denial rate
- 1,878 denied of 8,614 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 11,247 | 6,361 |
| 2024 | 10,530 | 5,974 |
| 2023 | 10,133 | 5,485 |
| 2022 | 14,296 | 8,019 |
| 2021 | 21,390 | 13,019 |
| 2020 | 18,629 | 11,474 |
| 2019 | 12,130 | 7,570 |
| 2018 | 10,030 | 6,158 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Navy Federal Credit Union | 513 | 974 |
| DHI Mortgage Company, LTD. | 467 | 722 |
| United Wholesale Mortgage | 450 | 623 |
| Rocket Mortgage | 444 | 628 |
| University Bank | 284 | 335 |
| Regions Bank | 214 | 410 |
| Lennar Mortgage, LLC | 198 | 235 |
| Mortgage Research Center | 176 | 413 |
| Ark-LA-Tex Financial Services LLC | 137 | 167 |
| PenAir Credit Union | 123 | 247 |
| Pennymac Loan Services LLC | 112 | 234 |
| Movement Mortgage, LLC | 109 | 157 |
| Freedom Mortgage Corporation | 108 | 256 |
| Crosscountry Mortgage, LLC | 96 | 131 |
| CMG Mortgage Inc | 83 | 116 |
| Guild Mortgage Company | 76 | 104 |
| Fairway Independent Mort Corp | 76 | 104 |
| Gulf Winds Credit Union | 75 | 143 |
| Coastal Loans, LLC | 73 | 87 |
| Synovus Bank | 73 | 117 |
| The Mortgage Firm | 70 | 95 |
| Newrez LLC | 65 | 157 |
| loanDepot.com LLC | 62 | 106 |
| Nationstar Mortgage | 61 | 81 |
| Ameris Bank | 53 | 68 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 86 | 33.9% of 65 decided |
| Asian | 235 | 29.4% of 180 decided |
| Black or African American | 448 | 30.5% of 325 decided |
| Native Hawaiian or Other Pacific Islander | 40 | no rate: base under 50 |
| White | 8,204 | 20.5% of 6,377 decided |
| 2 or more minority races | withheld | |
| Joint | 306 | 22.4% of 223 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,896 | 23.6% of 1,388 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 584 | 20.8% of 451 decided |
| Not Hispanic or Latino | 8,394 | 21.5% of 6,495 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,957 | 24.4% of 1,420 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,385 | 22.5% of 3,377 decided |
| Female | 1,989 | 24.9% of 1,528 decided |
| Joint | 3,940 | 18.2% of 3,035 decided |
| Sex Not Available | 933 | 27.5% of 674 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. 342 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