Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Escambia County, Florida
Every institution that decided a 1–4 unit mortgage application in Escambia County, home to Pensacola, between 2023 and 2025: 27,026 applications, 19,542 loans actually funded, across 8 kinds of borrowing.
Escambia County at a glance
27,026Applications decided
2023–2025
19,542Loans funded
72% of decisions
78Census tracts
15 ZIP codes
323,275People
ACS 2023
What the data shows
The typical purchase mortgage here is $265K.
Investment home improvement is the hardest money to get here: lenders approved 45% of 239 applications.
Lending by loan type in Escambia County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 83.4% | 14,921 | $265K | 96% | 471 |
| Home improvement loans | 57.2% | 2,416 | $65K | 91% | 98 |
| Cash-out refinance | 63.5% | 3,935 | $165K | 94% | 210 |
| Refinance | 71.2% | 2,146 | $265K | 87% | 193 |
| Investment property purchase | 84.9% | 2,338 | $205K | 95% | 347 |
| Investment cash-out refinance | 70.0% | 587 | $165K | 90% | 139 |
| Investment refinance | 75.7% | 444 | $165K | 92% | 119 |
| Investment home improvement | 44.8% | 239 | $95K | 90% | 54 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.