Home›Florida›Okaloosa County›Refinance
refinance lenders · HMDA 2023–2025

Refinance lenders in Okaloosa County, Florida

Fat Boy Data analyzed mortgage refinance activity in Okaloosa County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,059 applications were decided by 160 lenders between 2023 and 2025.

Okaloosa County at a glance

160Active lenders17 with 20+ decisions
78.3%Market approval rate1,613 of 2,059 decided
$325KTypical loanmedian lender, $10K brackets
87%Borrower take-up1,409 loans funded

How Okaloosa County compares

Approval rate compared
Okaloosa County78.3%Florida66.8%All 616 counties76.5%
Typical loan compared
Okaloosa County$325KFlorida$315KAll 616 counties$295K

What the data shows

Eglin Credit Union made the most mortgage refinances in Okaloosa County, FL, 161 of them.

Freedom Mortgage Corporation approved the highest share of applications among lenders with at least 20 decisions here, 96% of 140.

Lenders approved 78.3% of mortgage refinance applications in Okaloosa County, FL, 11.5 percentage points above the Florida rate of 66.8%.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 30% approved of 27Mortgage Research Center, LLC: 43% approved of 115Lakeview Loan Servicing, LLC: 53% approved of 77Regions Bank: 59% approved of 106Bank of America, National Association: 63% approved of 27Pentagon Federal Credit Union: 65% approved of 20Synovus Bank: 69% approved of 45Navy Federal Credit Union: 70% approved of 20PNC Bank, National Association: 71% approved of 35New American Funding, LLC: 76% approved of 29Rocket Mortgage, LLC: 78% approved of 144Newrez LLC: 87% approved of 46Pennymac Loan Services, LLC: 89% approved of 57Village Capital & Investment LLC: 93% approved of 85Eglin Credit Union: 93% approved of 174United Wholesale Mortgage, LLC: 95% approved of 330Freedom Mortgage Corporation: 96% approved of 140

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Okaloosa County

LenderApprovalApprovedTaken upTypical loanLoans made
1United Wholesale Mortgage, LLCBroker only95%313 / 33089%$355K278
2Eglin Credit Union93%162 / 17499%$65K161
3Rocket Mortgage, LLC78%112 / 14489%$305K100
4Freedom Mortgage Corporation96%135 / 14072%$325K97
5Mortgage Research Center, LLC43%49 / 11596%$325K47

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 155 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest mortgage refinance lenders in Okaloosa County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Okaloosa County

Mortgage lenders in Okaloosa CountyHome improvement loans in Okaloosa CountyCash-out refinance in Okaloosa CountyInvestment property purchase in Okaloosa CountyInvestment cash-out refinance in Okaloosa CountyInvestment refinance in Okaloosa CountyInvestment home improvement in Okaloosa County

Nearby markets

All lending in Okaloosa CountyCounty overviewRefinance across FloridaStatewideEscambia CountyNearby countySanta Rosa CountyNearby county