Mortgage lending in Pensacola-Ferry Pass-Brent, FL
13,526 mortgages were originated in the Pensacola-Ferry Pass-Brent, FL area in 2025, and here is what they cost.
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
- 13,526
- Median rate
- 6.500%
- Median lender fees
- $6,215
- Median loan amount
- $255,000
- Median spread over APOR
- 0.132
- Paid discount points
- 41.9%
- Received lender credits
- 25.8%
- Purchases / refinances
- 61.3% / 24.4%
- Conventional / FHA / VA
- 56.1% / 15.2% / 28.1%
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 79% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Pensacola-Ferry Pass-Brent, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Navy Federal Credit Union | 1,285 | $2,889 | 7.250% |
| Rocket Mortgage, LLC | 879 | $5,355 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 873 | $6,818 | 6.125% |
| DHI MORTGAGE COMPANY, LTD. | 848 | $6,607 | 4.875% |
| University Bank | 423 | $6,560 | 6.375% |
| Mortgage Research Center, LLC | 401 | $5,028 | 6.250% |
| Regions Bank | 395 | $4,069 | 5.625% |
| MOVEMENT MORTGAGE, LLC | 288 | $7,776 | 6.625% |
| Pen Air Credit Union | 282 | $4,191 | 7.933% |
| LENNAR MORTGAGE, LLC | 280 | $7,953 | 4.500% |