Orlando FHA Loan Rates, Closing Costs & Stats

ORLANDO-KISSIMMEE-SANFORD, FL

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Orlando's 272 lenders originated 10,931 FHA loans during 2024. The total origination value was $3,797,615,000, with an average FHA loan value of $347,417.

    Orlando FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Orlando averaged -0.03% for the week of 2025-06-20, compared to the national average (all FHA variants) of 0% for the same period.

    Orlando's average FHA mortgage closing costs are $10,204.

    The average rate for the prior week (2025-06-13) was 6.45% and one month ago for the week of 2025-05-16, the average rate was 6.61%.

    The average rate one year ago was 6.76%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.02%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Orlando FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Orlando level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 1,709 6.20% $15,813
    DHI MORTGAGE COMPANY, LTD. 972 5.05% $10,435
    QUICKEN LOANS, LLC 600 6.19% $14,671
    EAGLE HOME MORTGAGE, LLC 309 5.06% $13,339
    FREEDOM MORTGAGE CORPORATION 285 6.31% $15,863
    FBC MORTGAGE, LLC 236 6.02% $14,483
    BROKER SOLUTIONS, INC. 234 6.59% $17,243
    LOANDEPOT.COM, LLC 232 5.90% $14,653
    South Pacific Financial Corporation 212 4.96% $9,661
    PENNYMAC LOAN SERVICES, LLC 182 6.07% $13,527
    CROSSCOUNTRY MORTGAGE, LLC 178 6.37% $15,762
    Paramount Residential Mortgage Group, Inc. 176 6.44% $15,755
    NFM, INC. 158 5.28% $15,164
    PULTE MORTGAGE LLC 157 5.17% $8,950
    KBHS HOME LOANS, LLC 135 5.74% $14,086
    NEWREZ LLC 130 6.29% $14,021
    HOMEAMERICAN MORTGAGE CORPORATION 116 5.01% $7,805
    M/I FINANCIAL, LLC 111 5.38% $20,130
    First Heritage Mortgage, LLC 109 5.19% $15,213
    Flagstar Bank, FSB 108 6.40% $14,125
    THE MORTGAGE FIRM, INC. 105 6.57% $13,073
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 100 6.57% $13,744
    Equity Prime Mortgage LLC 100 6.55% $17,189
    VELOCIO MORTGAGE L.L.C. 98 5.10% $15,600
    PARK SQUARE HOME MORTGAGE, LLC 87 5.29% $13,234
    MOVEMENT MORTGAGE, LLC 84 6.76% $15,025
    GUILD MORTGAGE COMPANY 84 6.26% $13,317
    ALKAN MORTGAGE CORPORATION 82 6.52% $14,865
    GUARANTEED RATE, INC. 76 6.37% $16,349
    VANDERBILT MORTGAGE AND FINANCE, INC. 75 5.32% $12,430
    NVR Mortgage Finance, Inc. 75 6.12% $12,726
    Waterstone Mortgage Corporation 74 6.53% $15,344
    MATTAMY HOME FUNDING, LLC 73 5.75% $11,887
    AMERICAN FINANCIAL NETWORK, INC. 67 6.63% $15,312
    Plains Commerce Bank 66 6.45% $14,962
    Ixonia Bank 59 6.57% $14,643
    Mr. Cooper ( Nationstar Mortgage ) 59 6.49% $17,365
    JET HOMELOANS, LLC 58 5.33% $14,272
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 54 6.69% $13,105
    Carrington Mortgage Services, LLC 54 6.39% $15,714
    Cornerstone First Mortgage, Inc 52 6.63% $15,908
    EVERETT FINANCIAL, INC. 52 6.76% $13,570
    HOMESPIRE MORTGAGE CORPORATION 51 6.49% $14,780
    CANOPY MORTGAGE, LLC 50 6.34% $15,578
    ZILLOW HOME LOANS, LLC 44 6.33% $13,525
    HOME SOLUTION LENDERS INC. 43 5.84% $24,066
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 42 6.46% $15,688
    Mortgage Lenders Investment Trading Corporation 42 6.84% $12,987
    Century Mortgage Company DBA Century Lending Company 42 6.19% $15,247
    SUN WEST MORTGAGE COMPANY, INC. 42 6.28% $17,551
    CMG MORTGAGE, INC. 39 6.53% $14,944
    LAKEVIEW LOAN SERVICING, LLC 39 6.46% $9,870
    BM Real Estate Services, Inc. 38 5.72% $19,082
    VILLAGE CAPITAL MORTGAGE 37 6.57% $10,254
    AMERICAN PACIFIC MORTGAGE CORPORATION 37 6.62% $17,455
    MORTGAGE FINANCIAL GROUP, INC. 36 6.29% $12,566
    South State Bank 34 6.10% $13,799
    MORTGAGE EQUITY PARTNERS LLC 33 6.65% $17,254
    NORTHPOINT MORTGAGE, INC. 32 6.32% $14,452
    MUTUAL OF OMAHA MORTGAGE, INC. 32 6.45% $16,390
    UNION HOME MORTGAGE CORP. 30 6.40% $13,987
    MY MORTGAGE, INC. 29 6.61% $17,375
    PLAZA HOME MORTGAGE, INC. 29 6.54% $16,352
    OCMBC, INC. 29 6.69% $13,724
    GEO-CORP, INC. 28 7.01% $21,158
    LOANPAL, LLC 26 5.57% $15,143
    STOCKTON MORTGAGE CORPORATION 25 6.46% $14,462
    EMM LOANS LLC 24 6.33% $14,661
    MID AMERICA MORTGAGE, INC. 24 6.98% $12,714
    FIRST COMMUNITY MORTGAGE, INC. 24 6.46% $13,654
    ACOPIA, LLC 24 5.89% $19,004
    CLIFFCO, INC. 24 6.41% $15,473
    Lakeview Community Capital, LLC 23 6.26% $9,825
    JPMorgan Chase Bank 23 6.14% $9,423
    HOMESIDE FINANCIAL, LLC 22 6.24% $17,015
    SUCCESS MORTGAGE PARTNERS, INC. 21 6.53% $15,111
    The Loan Store, Inc. 21 6.22% $15,913
    JMAC LENDING, INC. 21 6.30% $14,662
    Nations Lending Corporation 21 6.82% $14,444
    PLANET HOME LENDING, LLC 21 6.26% $12,953
    CARDINAL FINANCIAL 20 6.17% $16,975
    City Lending Inc. 20 6.50% $17,847
    GENEVA FINANCIAL, LLC 20 6.83% $14,589
    SOUTHPOINT FINANCIAL SERVICES, INC. 20 6.46% $11,842
    AMERICAN FINANCIAL RESOURCES, INC. 19 6.76% $15,371
    GUARANTEED RATE AFFINITY, LLC 17 6.44% $13,015
    AMERICAN BANCSHARES MORTGAGE 17 6.65% $12,251
    HOMEBRIDGE FINANCIAL SERVICES, INC. 17 6.28% $16,540
    BAY EQUITY LLC 16 6.52% $12,442
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 16 6.21% $16,357
    Mortgage Research Center, LLC 16 6.73% $12,376
    Truist 15 6.49% $9,232
    NATIONWIDE MORTGAGE BANKERS, INC. 15 6.69% $17,005
    TOWNE MORTGAGE COMPANY 14 6.32% $15,193
    Regions Bank 14 6.14% $10,909
    Keystone Funding, Inc. 14 6.21% $16,921
    Residential Acceptance Corporation 13 7.04% $15,610
    ABSOLUTE HOME MORTGAGE CORPORATION 13 6.51% $16,031
    City National Bank of Florida 12 5.94% $14,889
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 12 6.52% $12,838
    AMERISAVE MORTGAGE CORPORATION 12 6.25% $15,807
    MILEND, INC. 12 6.16% $17,314
    T2 FINANCIAL LLC 12 6.52% $15,963
    TBI MORTGAGE COMPANY 11 5.86% $18,246
    AmeriHome Mortgage Company, LLC 10 6.26% $12,118
    GARDNER FINANCIAL SERVICES, LTD. 10 6.45% $14,617
    SECURITYNATIONAL MORTGAGE COMPANY 10 6.63% $15,573
    MICHIGAN MUTUAL, INC. 10 6.50% $16,935
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 10 6.68% $10,934
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.27% $15,032
    Sierra Pacific Mortgage Company, Inc. 9 6.01% $15,686
    Bank of England 9 6.44% $12,651
    AMERICAN FINANCING CORPORATION 9 6.25% $15,805
    Northpointe Bank 9 6.53% $14,049
    LEADERONE FINANCIAL CORPORATION 9 6.26% $12,142
    American Mortgage & Equity Consultants, Inc. 8 6.44% $16,326
    Prosperity Home Mortgage, LLC 8 6.52% $11,823
    Hometown Equity Mortgage, LLC 8 6.44% $14,814
    INTELLILOAN, INC. 8 6.20% $6,349
    UNITED MORTGAGE CORP 8 6.76% $16,086
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 6.39% $21,603
    Wells Fargo Bank 8 6.09% $16,138
    PNC Bank 7 6.61% $9,746
    MORTGAGE SOLUTIONS OF COLORADO, LLC 7 7.04% $15,236
    TruHome Solutions, LLC 7 5.88% $11,237
    Centennial Bank 6 6.10% $15,701
    SUMMIT FUNDING, INC. 6 6.43% $15,498
    DEVELOPER'S MORTGAGE COMPANY 6 6.13% $14,090
    POINT Mortgage 6 6.63% $15,676
    AHL FUNDING 6 6.15% $18,317
    PENTAGON FEDERAL CREDIT UNION 6 5.88% $14,651
    INSPIRE HOME LOANS INC. 6 4.88% $11,181
    Bank of America 6 5.77% $14,931
    Bell Bank 6 6.27% $15,018
    BETTER MORTGAGE CORPORATION 6 5.65% $13,335
    BECKAM FUNDING CORP. 5 7.40% $22,482
    Acre Mortgage and Financial Inc 5 6.60% $16,441
    Alcova Mortgage LLC 5 6.50% $7,812
    ALLIED MORTGAGE GROUP, INC. 5 6.13% $15,800
    AMERITRUST MORTGAGE CORPORATION 5 6.60% $19,165
    FIRST MORTGAGE COMPANY, INC. 5 6.07% $14,667
    Florida Capital Bank 5 6.30% $13,554
    NETWORK CAPITAL FUNDING CORPORATION 5 6.15% $16,595
    OCEANSIDE MORTGAGE COMPANY 5 6.22% $6,255
    PHH Mortgage Corporation 5 6.37% $12,264
    ROYAL UNITED MORTGAGE LLC 5 6.63% $11,035
    The Federal Savings Bank 5 6.53% $12,386
    TOP FLITE FINANCIAL, INC. 5 6.53% $19,888
    U.S. Bank 5 5.55% $12,356
    Capital Bank 4 6.09% $17,525
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 4 7.13% $15,226
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 4 6.38% $17,482
    M&T Bank 4 6.31% $10,352
    OceanFirst Bank 4 5.66% $13,450
    US MORTGAGE CORPORATION 4 7.06% $19,754
    Loan Simple, Inc. 4 6.41% $12,530
    Gateway First Bank 4 6.38% $15,152
    VERITAS FUNDING, LLC 4 6.34% $18,045
    NBKC BANK 4 6.00% $11,070
    East Coast Capital Corp. 4 6.25% $19,461
    OPEN MORTGAGE, LLC 3 6.33% $20,244
    SeaTrust Mortgage Company 3 6.25% $16,431
    NATIONS DIRECT MORTGAGE, LLC 3 6.17% $22,405
    CALCON MUTUAL MORTGAGE LLC 3 6.66% $17,402
    FIRST EQUITY MORTGAGE BANKERS, INC. 3 6.67% $16,594
    FIRST COLONY MORTGAGE CORPORATION 3 6.21% $15,373
    Fifth Third Bank 3 6.67% $15,052
    LIBERTY HOME MORTGAGE CORPORATION 3 6.25% $14,359
    TOTAL MORTGAGE SERVICES, LLC 3 6.25% $21,834
    Commerce Home Mortgage, Inc. 3 6.58% $17,342
    RELIANCE FIRST CAPITAL, LLC 3 6.79% $9,487
    GERSHMAN INVESTMENT CORP. 3 6.29% $15,906
    AXIA FINANCIAL, LLC 3 7.00% $21,295
    Home Mortgage Alliance Corp 3 6.46% $18,130
    RUOFF MORTGAGE COMPANY, INC. 3 6.33% $9,158
    NORWICH COMMERCIAL GROUP, INC. 3 6.04% $22,289
    A&D Mortgage LLC 3 6.13% $21,179
    LADERA LENDING, INC. 3 6.21% $10,615
    Midwest Mortgage Associates Corporation 2 6.13% $16,339
    First Option Mortgage, LLC 2 6.44% $12,980
    DG PINNACLE FUNDING LLC 2 6.63% $10,858
    HOMEOWNERS FINANCIAL GROUP USA, LLC 2 6.63% $14,500
    First Horizon Bank 2 6.13% $14,297
    Performance Financial, Inc. 2 6.44% $18,136
    First Federal Bank 2 5.75% $13,998
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.50% $22,676
    Premium Mortgage Corporation 2 6.81% $13,124
    CHURCHILL MORTGAGE CORPORATION 2 6.44% $18,687
    Texana Bank 2 6.19% $13,379
    THE MONEY HOUSE INC. 2 6.25% $12,702
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 6.75% $16,033
    NOVA FINANCIAL & INVESTMENT CORPORATION 2 6.62% $12,187
    1ST FINANCIAL, INC. 2 7.19% $21,339
    EQUITY RESOURCES, INC. 2 6.06% $21,519
    ISERVE RESIDENTIAL LENDING, LLC 2 5.69% $16,419
    EMBRACE HOME LOANS, INC. 2 5.69% $16,728
    RESIDENTIAL BANCORP 2 5.94% $14,684
    WATSON MORTGAGE CORP. 2 6.50% $12,459
    VAN DYK MORTGAGE CORPORATION 2 6.56% $8,983
    Vellum Mortgage, Inc. 2 6.81% $17,046
    Ameris Bank 2 6.81% $13,407
    SFMC, LP 2 6.00% $12,849
    HUNT MORTGAGE CORPORATION 2 6.13% $16,013
    TJC Mortgage, Inc. 1 7.00% $15,146
    Wolfe Financial, Inc 1 6.75% $18,804
    BOND STREET MORTGAGE, LLC 1 6.00% $16,612
    BAYSHORE MORTGAGE FUNDING, LLC 1 6.75% $13,641
    Barrington Bank & Trust Company, N.A. 1 7.25% $6,388
    United Community Bank 1 6.63% $13,515
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 7.75% $16,240
    Armed Forces Bank 1 5.75% $13,893
    University Bank 1 5.75% $9,373
    1ST PRIORITY MORTGAGE, INC. 1 6.88% $14,634
    AmRes Corporation 1 5.75% $12,149
    METROPLEX MORTGAGE SERVICES, INC. 1 6.50% $12,804
    MLB RESIDENTIAL LENDING, LLC 1 6.99% $11,896
    ML Mortgage Corp. 1 7.38% $15,789
    MORIA DEVELOPMENT, INC. 1 6.63% $14,806
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.75% $12,663
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.25% $14,314
    LAND HOME FINANCIAL SERVICES, INC. 1 7.50% $16,901
    J. VIRGIL, INC. 1 6.25% $15,842
    INTERSTATE HOME LOAN CENTER, INC. 1 6.63% $21,923
    Network Funding, L.P. 1 6.75% $13,091
    NEW DAY FINANCIAL, LLC 1 7.62% $5,470
    NEW FED MORTGAGE, CORP. 1 5.25% $12,847
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.75% $14,317
    NEW WAVE LENDING GROUP INC 1 5.88% $17,360
    NexBank 1 5.88% $19,635
    NEXERA HOLDING LLC 1 6.25% $6,671
    GVC MORTGAGE, INC. 1 6.75% $19,449
    NJ LENDERS CORP. 1 6.63% $13,301
    GSF Mortgage Corporation 1 7.25% $9,087
    NP, Inc. 1 6.25% $11,820
    ALAMEDA MORTGAGE CORPORATION 1 7.13% $16,744
    Franklin Loan Corporation 1 5.50% $26,138
    ON Q FINANCIAL, INC. 1 6.25% $13,035
    PANORAMA MORTGAGE GROUP, LLC 1 7.25% $17,598
    First State Bank of St. Charles, Missouri 1 6.50% $10,860
    First National Bank Texas 1 5.75% $13,470
    Advisors Mortgage Group, L.L.C. 1 6.25% $13,419
    FIRST HOME MORTGAGE CORPORATION 1 6.63% $13,739
    First-Citizens Bank & Trust Company 1 5.63% $15,561
    PREMIA MORTGAGE, LLC 1 6.25% $10,934
    Presidential Bank, FSB 1 6.25% $12,376
    FirstBank 1 5.75% $14,895
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.13% $24,751
    Evolve Bank & Trust 1 6.63% $13,073
    READY MORTGAGE LENDERS, LLC 1 6.88% $26,848
    Renasant Bank 1 5.63% $13,720
    Residential Mortgage Solutions, Inc. 1 6.50% $18,654
    S1L, Inc. 1 6.25% $11,169
    Seacoast National Bank 1 6.75% $8,712
    Easthampton Savings Bank 1 6.63% $10,700
    SOUTHERN TRUST MORTGAGE, LLC 1 6.63% $11,047
    DIRECT MORTGAGE, CORP. 1 6.00% $20,070
    DATA MORTGAGE, INC. 1 6.25% $8,121
    SOUTHWEST FUNDING, LP 1 7.13% $19,552
    SOUTHWEST STAGE FUNDING, LLC 1 5.88% $7,940
    SOVEREIGN LENDING GROUP INCORPORATED 1 6.50% $11,402
    SPACE COAST Credit Union 1 6.88% $9,284
    ST FIN CORP 1 0.00% $7,921
    DAS Acquisition Company, LLC 1 6.75% $13,077
    CORNERSTONE HOME LENDING, INC. 1 6.50% $16,043
    Sunflower Bank 1 6.63% $14,008
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.13% $21,360
    SWBC MORTGAGE CORPORATION 1 7.25% $21,748
    CIBM Bank 1 5.75% $13,895
    TD Bank 1 7.00% $10,693
    THE MORTGAGE WAREHOUSE,LLC 1 6.75% $11,623
    The Union Bank Company 1 5.25% $9,098
    TIDEWATER MORTGAGE SERVICES, INC. 1 5.75% $10,820

    The top Orlando FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 1,709 FHA loans originated. Their average total fees are $15,813, which is $5,378 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Orlando FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($7,805), PULTE MORTGAGE LLC ($8,950), Truist ($9,232), JPMorgan Chase Bank ($9,423) and South Pacific Financial Corporation ($9,661).

    The lowest rate Orlando FHA lenders (with over 10 loans originated) are South Pacific Financial Corporation (4.96%), HOMEAMERICAN MORTGAGE CORPORATION (5.01%), DHI MORTGAGE COMPANY, LTD. (5.05%), EAGLE HOME MORTGAGE, LLC (5.06%) and VELOCIO MORTGAGE L.L.C. (5.10%).

    Orlando FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    ORLANDO-KISSIMMEE-SANFORD, FL LAKE 2022 $420,680 $538,650 $651,050 $809,150
    ORLANDO-KISSIMMEE-SANFORD, FL ORANGE 2022 $420,680 $538,650 $651,050 $809,150
    ORLANDO-KISSIMMEE-SANFORD, FL OSCEOLA 2022 $420,680 $538,650 $651,050 $809,150
    ORLANDO-KISSIMMEE-SANFORD, FL SEMINOLE 2022 $420,680 $538,650 $651,050 $809,150
    ORLANDO-KISSIMMEE-SANFORD, FL LAKE 2023 $472,030 $604,400 $730,525 $907,900
    ORLANDO-KISSIMMEE-SANFORD, FL ORANGE 2023 $472,030 $604,400 $730,525 $907,900
    ORLANDO-KISSIMMEE-SANFORD, FL OSCEOLA 2023 $472,030 $604,400 $730,525 $907,900
    ORLANDO-KISSIMMEE-SANFORD, FL SEMINOLE 2023 $472,030 $604,400 $730,525 $907,900

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).