Mortgage lending in Escambia County
7,166 mortgages were originated in Escambia County, Florida, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,166
- Median rate
- 6.625%
- Median lender fees
- $6,033
- Median loan amount
- $225,000
- Median spread over APOR
- 0.229
- Paid discount points
- 39.4%
- Received lender credits
- 25.9%
- Purchases / refinances
- 61.5% / 24.5%
- Conventional / FHA / VA
- 60.2% / 16% / 23.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 76% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Escambia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 772 | $2,806 | 7.125% |
| Rocket Mortgage, LLC | 435 | $5,564 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 423 | $6,789 | 6.129% |
| DHI MORTGAGE COMPANY, LTD. | 381 | $6,145 | 4.990% |
| Mortgage Research Center, LLC | 225 | $4,902 | 6.250% |
| Regions Bank | 181 | $4,277 | 6.125% |
| MOVEMENT MORTGAGE, LLC | 179 | $7,058 | 6.750% |
| THE MORTGAGE FIRM, INC. | 163 | $6,022 | 6.750% |
| Pen Air Credit Union | 159 | $3,890 | 7.740% |
| GUILD MORTGAGE COMPANY | 158 | $8,240 | 6.250% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Escambia County — not a rule of thumb.
From 5,443 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers