Mortgage lending in Walton County
3,902 mortgages were originated in Walton 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
- 3,902
- Median rate
- 6.625%
- Median lender fees
- $8,335
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
- $395,000
- Above the going rate (spread over APOR)
- 0.163
- Paid discount points
- 31.2%
- Received lender credits
- 26.9%
- Purchases / refinances
- 64.9% / 22.5%
- Conventional / FHA / VA
- 78.3% / 10% / 11.4%
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 67.2% 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 Walton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 232 | $9,482 | 6.489% |
| Crosscountry Mortgage, Inc. | 191 | $10,131 | 6.750% |
| DHI Mortgage Company, Ltd. | 182 | $7,908 | 4.990% |
| Rocket Mortgage, LLC | 169 | $5,816 | 6.750% |
| Regions Bank | 115 | $9,093 | 5.500% |
| Dsld Mortgage, LLC | 92 | $5,100 | 5.990% |
| Trustmark National Bank | 91 | — | 6.750% |
| All In Federal Credit Union | 78 | — | 7.500% |
| Community Bank of Mississippi | 71 | — | 7.000% |
| Cadence Bank | 67 | — | 6.875% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in Walton County — not a rule of thumb.
From 2,623 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