Lowest closing cost mortgage lenders in Santa Rosa County County, Florida
In Santa Rosa County, Florida, homebuyers paid a median of $7,229 in closing costs in 2024 — below the Florida median of $8,887. The county saw 3,306 purchase mortgages at a median rate of 6.25%. Among lenders with 10+ originations, DSLD MORTGAGE, LLC offered the lowest median costs at $2,494, which is $2,975 less than the county median.
Homebuyers in Santa Rosa County County who chose DSLD MORTGAGE, LLC paid $4,735 less in closing costs than the county median.
County Median Costs
$7,229
−18.7% vs Florida ($8,887)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$1,236
Purchase Originations
3,306
vs Florida Median
18.7% below
$-1,658
vs National Median
7.2% above
$488
Lender rankings in Santa Rosa 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 | $2,494 | 6.500% | $0 | 15 | −$2,975 | |
| 2 | $2,633 | 6.625% | $0 | 29 | −$2,836 | |
| 3 | $2,845 | 5.625% | $0 | 72 | −$2,624 | |
| 4 | $3,760 | 6.500% | $0 | 110 | −$1,709 | |
| 5 | $4,162 | 6.500% | $320 | 44 | −$1,307 | |
| 6 | $4,742 | 6.875% | $1,200 | 23 | −$727 | |
| 7 | $4,958 | 5.375% | $1,795 | 14 | −$511 | |
| 8 | $5,406 | 6.990% | $3,120 | 45 | −$63 | |
| 9 | $5,678 | 6.183% | $1,790 | 16 | +$209 | |
| 10 | $5,909 | 6.625% | $2,557 | 17 | +$440 | |
| 11 | $6,230 | 7.188% | $2,293 | 10 | +$761 | |
| 12 | $6,427 | 6.438% | $1,740 | 10 | +$958 | |
| 13 | $6,481 | 8.500% | $3,937 | 19 | +$1,012 | |
| 14 | $6,519 | 9.395% | $4,500 | 20 | +$1,050 | |
| 15 | $6,584 | 6.625% | $3,496 | 58 | +$1,115 | |
| 16 | $6,857 | 6.625% | $2,404 | 31 | +$1,388 | |
| 17 | $6,906 | 6.625% | $4,417 | 76 | +$1,437 | |
| 18 | $6,939 | 6.500% | $3,650 | 55 | +$1,470 | |
| 19 | $7,290 | 6.875% | $3,614 | 35 | +$1,821 | |
| 20 | $7,295 | 6.625% | $4,077 | 10 | +$1,826 | |
| 21 | $7,329 | 6.625% | $5,065 | 24 | +$1,860 | |
| 22 | $7,369 | 7.375% | $3,333 | 12 | +$1,900 | |
| 23 | $8,353 | 6.625% | $4,165 | 21 | +$2,884 | |
| 24 | $13,030 | 7.550% | $7,496 | 10 | +$7,561 | |
| 25 | $13,819 | 7.750% | $8,508 | 11 | +$8,350 |
Includes lenders with 10+ purchase originations in Santa Rosa 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.