Largest lenders in Walton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial Services | B | 329 | 232 | 14.6% | 6.49% |
| 2 | Dhi Mortgage Company | B | 318 | 182 | 20.1% | 4.99% |
| 3 | 21st Mortgage | F | 285 | 62 | 44.9% | 9.08% |
| 4 | Crosscountry Mortgage | B | 258 | 191 | 2.3% | 6.75% |
| 5 | Rocket Mortgage | C | 250 | 169 | 22.8% | 6.75% |
| 6 | Regions Bank | C | 237 | 115 | 30.8% | 5.50% |
| 7 | All in Federal Credit Union | D | 149 | 78 | 41.6% | 7.50% |
| 8 | Trustmark National Bank | C | 128 | 91 | 11.7% | 6.75% |
| 9 | Dsld Mortgage | A | 120 | 92 | 1.7% | 5.99% |
| 10 | Vanderbilt Mortgage and Finance | F | 119 | 10 | 33.6% | 8.63% |
| 11 | Pennymac Loan Services | C | 100 | 47 | 15.0% | 6.50% |
| 12 | Newrez | D | 97 | 36 | 26.8% | 6.56% |
| 13 | Cadence Bank | B | 87 | 67 | 12.6% | 6.88% |
| 14 | Freedom Mortgage | B | 87 | 36 | 10.3% | 6.25% |
| 15 | Mortgage Research Center | C | 87 | 34 | 13.8% | 6.25% |
| 16 | Community Bank of Mississippi | C | 85 | 71 | 5.9% | 7.00% |
| 17 | Navy Federal Credit Union | D | 84 | 31 | 28.6% | 7.75% |
| 18 | Bank of America | F | 82 | 32 | 28.1% | 5.75% |
| 19 | SouthState Bank | B | 81 | 55 | 11.1% | 6.38% |
| 20 | United Community Bank | B | 79 | 41 | 38.0% | 6.50% |
| 21 | Renasant Bank | B | 75 | 56 | 12.0% | 7.50% |
| 22 | JPMorgan Chase Bank | B | 70 | 46 | 8.6% | 6.13% |
| 23 | Broker Solutions | D | 69 | 18 | 14.5% | 6.69% |
| 24 | Citizens Bank | C | 67 | 36 | 25.4% | 6.63% |
| 25 | Truist Bank | C | 66 | 32 | 33.3% | 6.31% |
Best approval odds in Walton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Dsld Mortgage | 95 | 2.1% |
| 2 | Crosscountry Mortgage | 199 | 3.0% |
| 3 | Community Bank of Mississippi | 79 | 6.3% |
| 4 | JPMorgan Chase Bank | 54 | 11.1% |
| 5 | Renasant Bank | 67 | 13.4% |
| 6 | Trustmark National Bank | 111 | 13.5% |
| 7 | Cadence Bank | 80 | 13.8% |
| 8 | SouthState Bank | 65 | 13.9% |
| 9 | United Shore Financial Services | 289 | 16.6% |
| 10 | Freedom Mortgage | 53 | 17.0% |
What Walton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Walton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 6,548 | 3,588 | 20.1% | 6.88% | $315,000 |
| 2024 | 6,462 | 3,622 | 18.8% | 6.99% | $315,000 |
| 2025 | 6,954 | 3,902 | 18.5% | 6.63% | $345,000 |
Frequently asked questions
18.5% of applications in Walton County were denied in 2025, against 21.1% statewide in Florida.
United Shore Financial Services, with 329 applications in 2025 and a denial rate of 14.6%.
The median mortgage application in Walton County in 2025 was for $345,000; the median property value on originated loans was $615,000.