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2024 data HMDA 2024 disclosure official source

Escambia County

14,944 mortgage applications, 17.1% denial rate. Verify FIPS 12033 with U.S. Census Bureau →

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Florida · FIPS 12033

Local mortgage market. Escambia County, Florida saw 14,944 HMDA-reported mortgage applications in 2024. Lenders originated 7,035 of those loans and denied 2,548, producing a denial rate of 17.1% and an approval (origination) rate of 47.1%. The average loan amount was $249,751 at an average note rate of 6.91%, with applicants self-reporting average annual income of $39K. 400 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.4x, meaning typical borrowers took on mortgages of about 6.4 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 12033 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

14,944
Applications
7,035
Originated
17.1%
Denial Rate
47.1%
Approval Rate
$249,751
Avg Loan Amount
6.91%
Avg Interest Rate
$39K
Avg Applicant Income
6.4x
Loan-to-Income Ratio

Nearby Lenders in Escambia County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Navy Federal Credit Union 820 11.7%
2 Rocket Mortgage 417 5.9%
3 United Wholesale Mortgage 364 5.2%
4 DHI Mortgage Company, LTD. 310 4.4%
5 SWBC Mortgage Corporation 239 3.4%
Compare Navy Federal Credit Union vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Escambia County?
In the 2024 HMDA reporting year, 14,944 mortgage applications were filed in Escambia County, Florida. Of these, 7,035 were originated (approved and funded), while 2,548 were denied, resulting in a denial rate of 17.1%.
What is the mortgage denial rate in Escambia County?
The mortgage denial rate in Escambia County is 17.1%. The approval (origination) rate is 47.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Escambia County?
The average mortgage loan amount in Escambia County is $249,751. The average interest rate is 6.911%. The average applicant income is $39K.
What is the loan-to-income ratio in Escambia County?
The average loan-to-income ratio in Escambia County is 6.4x, meaning borrowers took on loans averaging 6.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Escambia County?
The top mortgage lenders in Escambia County by origination volume are Navy Federal Credit Union, Rocket Mortgage, United Wholesale Mortgage. In total, 400 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.