Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Santa Rosa County, Florida
Every institution that decided a 1–4 unit mortgage application in Santa Rosa County, home to Milton, between 2023 and 2025: 21,426 applications, 16,291 loans actually funded, across 8 kinds of borrowing.
Santa Rosa County at a glance
21,426Applications decided
2023–2025
16,291Loans funded
76% of decisions
36Census tracts
7 ZIP codes
193,719People
ACS 2023
What the data shows
Lenders approved 86.9% of home-purchase applications in Santa Rosa County, 3.2 points above the Florida rate.
The typical purchase mortgage here is $315K.
Investment home improvement is the hardest money to get here: lenders approved 43% of 125 applications.
Lending by loan type in Santa Rosa County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.9% | 12,369 | $315K | 97% | 437 |
| Home improvement loans | 60.9% | 2,126 | $65K | 92% | 107 |
| Cash-out refinance | 68.3% | 3,181 | $175K | 94% | 195 |
| Refinance | 76.3% | 2,041 | $335K | 88% | 193 |
| Investment property purchase | 85.2% | 1,212 | $265K | 96% | 277 |
| Investment cash-out refinance | 67.4% | 224 | $195K | 95% | 80 |
| Investment refinance | 69.6% | 148 | $235K | 93% | 68 |
| Investment home improvement | 43.2% | 125 | $65K | 91% | 33 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.