Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Okaloosa County, Florida
Every institution that decided a 1–4 unit mortgage application in Okaloosa County, home to Crestview, between 2023 and 2025: 20,466 applications, 15,617 loans actually funded, across 8 kinds of borrowing.
Okaloosa County at a glance
20,466Applications decided
2023–2025
15,617Loans funded
76% of decisions
48Census tracts
13 ZIP codes
214,281People
ACS 2023
What the data shows
Lenders approved 88.1% of home-purchase applications in Okaloosa County, 4.4 points above the Florida rate.
The typical purchase mortgage here is $325K.
Investment home improvement is the hardest money to get here: lenders approved 48% of 197 applications.
Lending by loan type in Okaloosa County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.1% | 11,432 | $325K | 96% | 422 |
| Home improvement loans | 61.1% | 1,539 | $65K | 90% | 96 |
| Cash-out refinance | 63.0% | 2,506 | $205K | 94% | 187 |
| Refinance | 78.3% | 2,059 | $325K | 87% | 160 |
| Investment property purchase | 83.9% | 2,046 | $305K | 95% | 363 |
| Investment cash-out refinance | 62.7% | 357 | $215K | 91% | 113 |
| Investment refinance | 77.9% | 330 | $205K | 93% | 118 |
| Investment home improvement | 48.2% | 197 | $75K | 88% | 53 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.