Mortgage lending in Walton County
3,902 mortgages were originated in Walton 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
- 3,902
- Median rate
- 6.625%
- Median lender fees
- $8,335
- Median loan amount
- $395,000
- Median 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
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 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, escrow and taxes are extra and are not in these figures. Compare two offers