Florida · HMDA 2025
Mortgage lenders in Okaloosa County, FL
474 lenders reported 11,454 home-loan applications in Okaloosa County in 2025. 5,596 closed as loans ($1.9B), 1,566 were denied — a 20.7% denial rate on decided applications, below the Florida rate of 27.1%. The three most active lenders handled 15% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 11,454
- Loans originated
- 5,596
- Purchase / refinance
- 3,570 / 1,326
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Okaloosa County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 691 | 6.0% | — |
| 2 | PENNYMAC LOAN SERVICES, LLC | 507 | 4.4% | — |
| 3 | Mortgage Research Center, LLC | 478 | 4.2% | — |
| 4 | Rocket Mortgage, LLC | 469 | 4.1% | — |
| 5 | Navy Federal Credit Union 66 out of 100, Moderate | 449 | 3.9% | 32.9% |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 422 | 3.7% | — |
| 7 | MOVEMENT MORTGAGE, LLC | 321 | 2.8% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 314 | 2.7% | — |
| 9 | DHI MORTGAGE COMPANY, LTD. | 308 | 2.7% | — |
| 10 | NEWREZ LLC | 301 | 2.6% | — |
| 11 | AMERIHOME MORTGAGE COMPANY, LLC | 263 | 2.3% | — |
| 12 | Regions Bank 64 out of 100, Moderate | 246 | 2.1% | 43.1% |
| 13 | Broker Solutions, Inc. | 238 | 2.1% | — |
| 14 | LAKEVIEW LOAN SERVICING, LLC | 208 | 1.8% | — |
| 15 | University Bank 60 out of 100, Moderate | 192 | 1.7% | 4.9% |
| 16 | 21st Mortgage Corporation | 189 | 1.7% | — |
| 17 | Eglin Credit Union | 186 | 1.6% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 158 | 1.4% | 14.1% |
| 19 | Waterstone Mortgage Corporation | 156 | 1.4% | — |
| 20 | Bank of America, National Association 59 out of 100, Moderate | 133 | 1.2% | 44.7% |
| 21 | VANDERBILT MORTGAGE AND FINANCE, INC. | 121 | 1.1% | — |
| 22 | FIGURE LENDING LLC | 121 | 1.1% | — |
| 23 | PLANET HOME LENDING, LLC | 116 | 1.0% | — |
| 24 | VILLAGE CAPITAL & INVESTMENT LLC | 114 | 1.0% | — |
| 25 | NEW DAY FINANCIAL, LLC | 105 | 0.9% | — |
| 26 | CARRINGTON MORTGAGE SERVICES, LLC | 101 | 0.9% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 100 | 0.9% | — |
| 28 | AmeriSave Mortgage Corporation | 88 | 0.8% | — |
| 29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 88 | 0.8% | — |
| 30 | GUARANTEED RATE, INC. | 87 | 0.8% | — |
| 31 | CMG MORTGAGE, INC. | 86 | 0.8% | — |
| 32 | Community Bank of Mississippi 64 out of 100, Moderate | 83 | 0.7% | 9.7% |
| 33 | USAA Federal Savings Bank 64 out of 100, Moderate | 83 | 0.7% | 37.2% |
| 34 | Coastal Community Bank 35 out of 100, Low | 81 | 0.7% | 3.0% |
| 35 | PNC Bank, National Association 62 out of 100, Moderate | 79 | 0.7% | 33.8% |
| 36 | SPRING EQ, LLC | 79 | 0.7% | — |
| 37 | Synovus Bank | 78 | 0.7% | — |
| 38 | Kiavi Funding, Inc. | 77 | 0.7% | — |
| 39 | Loandepot.Com, LLC | 74 | 0.6% | — |
| 40 | PENTAGON FEDERAL CREDIT UNION 64 out of 100, Moderate | 67 | 0.6% | 45.9% |
Top 40 of 474 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Florida
- Miami-Dade County 82,507 apps
- Broward County 75,647 apps
- Hillsborough County 64,621 apps
- Palm Beach County 63,472 apps
- Orange County 55,029 apps
- Lee County 47,429 apps
- Duval County 46,192 apps
- Polk County 45,313 apps
- Pinellas County 42,029 apps
- Pasco County 39,658 apps
- Brevard County 36,873 apps
- Volusia County 30,743 apps