Lowest closing cost mortgage lenders in Okaloosa County County, Florida
In Okaloosa County, Florida, homebuyers paid a median of $8,620 in closing costs in 2024 — below the Florida median of $8,887. The county saw 2,986 purchase mortgages at a median rate of 6.25%. Among lenders with 10+ originations, CARRINGTON MORTGAGE SERVICES, LLC offered the lowest median costs at $1,747, which is $7,333 less than the county median.
Homebuyers in Okaloosa County County who chose CARRINGTON MORTGAGE SERVICES, LLC paid $6,873 less in closing costs than the county median.
County Median Costs
$8,620
−3.0% vs Florida ($8,887)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$1,295
Purchase Originations
2,986
vs Florida Median
3.0% below
$-267
vs National Median
27.9% above
$1,879
Lender rankings in Okaloosa County County
40 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,730 | 5.500% | $0 | 10 | −$3,532 | |
| 2 | $3,998 | 6.688% | $0 | 16 | −$2,264 | |
| 3 | $4,389 | 6.433% | $884 | 14 | −$1,873 | |
| 4 | $4,780 | 6.588% | $995 | 14 | −$1,482 | |
| 5 | $5,261 | 6.625% | $1,380 | 53 | −$1,001 | |
| 6 | $5,434 | 6.750% | $1,933 | 10 | −$828 | |
| 7 | $5,774 | 6.875% | $2,868 | 29 | −$488 | |
| 8 | $5,960 | 6.812% | $3,471 | 12 | −$302 | |
| 9 | $6,219 | 6.500% | $3,215 | 48 | −$43 | |
| 10 | $6,265 | 6.625% | $2,817 | 18 | +$3 | |
| 11 | $6,747 | 6.625% | $4,049 | 31 | +$485 | |
| 12 | $6,931 | 6.750% | $3,050 | 12 | +$669 | |
| 13 | $7,209 | 6.625% | $3,372 | 58 | +$947 | |
| 14 | $7,346 | 6.625% | $3,474 | 57 | +$1,084 | |
| 15 | $8,562 | 6.875% | $5,311 | 11 | +$2,300 |
Includes lenders with 10+ purchase originations in Okaloosa County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Florida → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.