Mortgage lending in Walton County, Florida
Lenders in Walton County, Florida reported 6,954 mortgage applications for 2025, according to the CFPB.
6,954 mortgage applications and 3,902 loans originated in 2025; the denial rate was 23.7% of 5,418 applications decided. The median loan was about $395,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Walton County, FL HUD Metro FMR Area.
- 6,954
- Applications
- 3,902
- Loans originated
- 23.7%
- Denial rate
- 1,283 denied of 5,418 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,954 | 3,902 |
| 2024 | 6,462 | 3,622 |
| 2023 | 6,548 | 3,588 |
| 2022 | 9,934 | 5,680 |
| 2021 | 13,562 | 8,265 |
| 2020 | 12,424 | 7,631 |
| 2019 | 7,785 | 4,722 |
| 2018 | 6,596 | 3,939 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 232 | 329 |
| Crosscountry Mortgage, LLC | 191 | 258 |
| DHI Mortgage Company, LTD. | 182 | 318 |
| Rocket Mortgage | 169 | 250 |
| Regions Bank | 115 | 237 |
| DSLD Mortgage LLC | 92 | 120 |
| Trustmark Bank | 91 | 128 |
| All IN Credit Union | 78 | 149 |
| Community Bank of Mississippi | 71 | 85 |
| Cadence Bank | 67 | 87 |
| 21ST Mortgage | 62 | 285 |
| Renasant Bank | 56 | 75 |
| Southstate Bank, National Association | 55 | 81 |
| Pennymac Loan Services LLC | 47 | 100 |
| JPMorgan Chase Bank, NA | 46 | 70 |
| United Community Bank | 41 | 79 |
| Movement Mortgage, LLC | 40 | 56 |
| Fairway Independent Mort Corp | 38 | 47 |
| Newrez LLC | 36 | 97 |
| Freedom Mortgage Corporation | 36 | 87 |
| Bankplus | 36 | 59 |
| Citizens Bank, NA | 36 | 67 |
| Mortgage Research Center | 34 | 87 |
| Bank of America NA | 32 | 82 |
| Truist Bank | 32 | 66 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 47 | no rate: base under 50 |
| Asian | 134 | 25.5% of 102 decided |
| Black or African American | 135 | 39.5% of 109 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,147 | 23.7% of 4,052 decided |
| 2 or more minority races | under 10 | |
| Joint | 139 | 25.4% of 114 decided |
| Race Not Available | 1,332 | 20.8% of 993 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 429 | 36.8% of 321 decided |
| Not Hispanic or Latino | 5,010 | 23.4% of 3,956 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,359 | 19.7% of 1,017 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,360 | 25.4% of 1,808 decided |
| Female | 1,171 | 32.2% of 898 decided |
| Joint | 2,652 | 19.9% of 2,121 decided |
| Sex Not Available | 771 | 19.1% of 591 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. 85 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