Mortgage lending in Okaloosa County
5,593 mortgages were originated in Okaloosa County, Florida, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,593
- Median rate
- 6.250%
- Median lender fees
- $7,280
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $305,000
- Above the going rate (spread over APOR)
- -0.079
- Paid discount points
- 43.2%
- Received lender credits
- 27.3%
- Purchases / refinances
- 63.8% / 23.7%
- Conventional / FHA / VA
- 47.3% / 9.1% / 43.2%
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 77.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $603,750
- Median home price
- $505,000
- That home, 20% down
- $404,000
A median-priced home with 20% down leaves $428,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Okaloosa County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 489 | $6,875 | 6.000% |
| Crosscountry Mortgage, Inc. | 321 | $7,957 | 6.500% |
| Rocket Mortgage, LLC | 316 | $6,167 | 6.375% |
| Movement Mortgage, LLC | 252 | $8,565 | 6.375% |
| DHI Mortgage Company, Ltd. | 246 | $8,193 | 4.990% |
| Navy Federal Credit Union | 194 | $3,573 | 6.563% |
| Mortgage Research Center, LLC | 187 | $7,510 | 6.125% |
| University Bank | 154 | $7,091 | 6.250% |
| Eglin Credit Union | 148 | — | — |
| Waterstone Mortgage Corporation | 117 | $9,033 | 6.500% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Okaloosa County — not a rule of thumb.
From 4,356 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers