Mortgage lending in Crestview-Fort Walton Beach-Destin, FL
9,496 mortgages were originated in the Crestview-Fort Walton Beach-Destin, FL area in 2025, and here is what they cost.
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
- 9,496
- Median rate
- 6.500%
- Median lender fees
- $7,642
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
- $325,000
- Above the going rate (spread over APOR)
- 0.030
- Paid discount points
- 38.2%
- Received lender credits
- 27.1%
- Purchases / refinances
- 64.2% / 23.2%
- Conventional / FHA / VA
- 60.1% / 9.5% / 30.1%
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 73.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Crestview-Fort Walton Beach-Destin, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 721 | $7,550 | 6.124% |
| Crosscountry Mortgage, Inc. | 512 | $8,566 | 6.575% |
| Rocket Mortgage, LLC | 485 | $6,030 | 6.500% |
| DHI Mortgage Company, Ltd. | 428 | $8,035 | 4.990% |
| Movement Mortgage, LLC | 292 | $8,706 | 6.375% |
| Navy Federal Credit Union | 225 | $3,133 | 6.750% |
| Mortgage Research Center, LLC | 221 | $7,242 | 6.125% |
| Regions Bank | 218 | $6,925 | 4.990% |
| University Bank | 175 | $7,115 | 6.250% |
| Eglin Credit Union | 173 | — | — |