Largest lenders in Escambia County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | D | 1,451 | 772 | 16.1% | 7.13% |
| 2 | Rocket Mortgage | C | 652 | 435 | 19.9% | 6.63% |
| 3 | United Shore Financial Services | B | 648 | 423 | 15.4% | 6.13% |
| 4 | Dhi Mortgage Company | B | 576 | 381 | 14.8% | 4.99% |
| 5 | Mortgage Research Center | C | 479 | 225 | 18.2% | 6.25% |
| 6 | Regions Bank | C | 428 | 181 | 33.6% | 6.13% |
| 7 | Pen Air Credit Union | F | 333 | 159 | 31.8% | 7.74% |
| 8 | 21st Mortgage | F | 307 | 51 | 53.1% | 9.61% |
| 9 | Movement Mortgage | A | 264 | 179 | 3.4% | 6.75% |
| 10 | Gulf Winds Credit Union | F | 227 | 104 | 15.0% | 7.75% |
| 11 | Freedom Mortgage | B | 224 | 88 | 6.7% | 6.25% |
| 12 | Pennymac Loan Services | C | 215 | 98 | 9.8% | 6.13% |
| 13 | Guild Mortgage | A | 198 | 158 | 4.0% | 6.25% |
| 14 | The Mortgage Firm | B | 197 | 163 | 1.5% | 6.75% |
| 15 | New Day Financial | F | 185 | 25 | 28.7% | 6.99% |
| 16 | Newrez | D | 183 | 74 | 16.9% | 6.38% |
| 17 | Bank of America | F | 162 | 55 | 38.9% | 6.38% |
| 18 | University Bank | A | 160 | 139 | 0.6% | 6.50% |
| 19 | Fairway Independent Mortgage | B | 154 | 111 | 11.0% | 6.43% |
| 20 | CMG Mortgage | A | 132 | 84 | 7.6% | 6.56% |
| 21 | Broker Solutions | D | 130 | 38 | 12.3% | 6.75% |
| 22 | Loandepot.Com | D | 128 | 61 | 30.5% | 6.75% |
| 23 | AmeriSave Mortgage | D | 123 | 34 | 55.3% | 7.06% |
| 24 | Synovus Bank | D | 121 | 71 | 22.3% | 7.13% |
| 25 | Guaranteed Rate Affinity | A | 121 | 86 | 3.3% | 6.61% |
Best approval odds in Escambia County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Coastal Community Bank | 89 | 0.0% |
| 2 | University Bank | 140 | 0.7% |
| 3 | The Mortgage Firm | 179 | 1.7% |
| 4 | Ark-La-Tex Financial Services, LLC. | 93 | 3.2% |
| 5 | Fbc Mortgage | 86 | 3.5% |
| 6 | Gardner Financial Services | 55 | 3.6% |
| 7 | Movement Mortgage | 221 | 4.1% |
| 8 | Guaranteed Rate Affinity | 94 | 4.3% |
| 9 | Guild Mortgage | 172 | 4.7% |
| 10 | Crosscountry Mortgage | 72 | 6.9% |
What Escambia County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Escambia County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 13,647 | 7,108 | 20.8% | 6.75% | $205,000 |
| 2024 | 13,042 | 7,050 | 19.5% | 6.75% | $205,000 |
| 2025 | 13,447 | 7,167 | 18.9% | 6.63% | $205,000 |
Frequently asked questions
18.9% of applications in Escambia County were denied in 2025, against 21.1% statewide in Florida.
Navy Federal Credit Union, with 1,451 applications in 2025 and a denial rate of 16.1%.
The median mortgage application in Escambia County in 2025 was for $205,000; the median property value on originated loans was $305,000.