Mortgage lending in Santa Rosa County
6,358 mortgages were originated in Santa Rosa 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
- 6,358
- Median rate
- 6.375%
- Median lender fees
- $6,449
- Median loan amount
- $285,000
- Median spread over APOR
- 0.027
- Paid discount points
- 44.8%
- Received lender credits
- 25.7%
- Purchases / refinances
- 61.1% / 24.2%
- Conventional / FHA / VA
- 51.5% / 14.2% / 33.3%
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 82.5% 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 Santa Rosa County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 513 | $2,955 | 7.375% |
| DHI MORTGAGE COMPANY, LTD. | 467 | $6,985 | 4.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 450 | $6,827 | 6.120% |
| Rocket Mortgage, LLC | 444 | $5,037 | 6.625% |
| University Bank | 284 | $6,717 | 6.250% |
| Regions Bank | 214 | $3,438 | 4.990% |
| LENNAR MORTGAGE, LLC | 198 | $7,935 | 4.500% |
| Mortgage Research Center, LLC | 176 | $5,593 | 6.250% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 137 | $3,446 | 6.500% |
| Pen Air Credit Union | 123 | $4,504 | 7.990% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Santa Rosa County — not a rule of thumb.
From 5,247 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