Arcadia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Arcadia averaged
7.12%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.25% and
one month ago for the week of 2025-05-15, the
average rate was 6.92%.
Arcadia's average rate one year ago was 7.16%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Arcadia 30 Year Fixed Rate | 2025-06-18 | 7.12% |
| Arcadia 30 Year Fixed Rate Refi | 2025-06-18 | 7.41% |
| Arcadia 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Arcadia 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Arcadia 30 Year FHA | 2025-06-18 | -0.04% |
| Arcadia 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Arcadia 30 Year USDA | 2025-06-18 | 0.2% |
| Arcadia 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Arcadia 30 Year VA | 2025-06-18 | 0.1% |
| Arcadia 30 Year VA Refi | 2025-06-18 | 0% |
Arcadia Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Arcadia, FL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Arcadia Average Closing Costs & Other Stats
Arcadia, FL's 43 lenders originated 439
loans during 2024. The total origination value was $91,715,000, with an average loan value of
$208,918.
Arcadia's average closing costs are $6,697.
The top Arcadia lender as defined by loan originations is QUICKEN LOANS, LLC, with
12 loans originated. Their average total fees are
$6,052, which is $1,750
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Arcadia lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($6,052), UNITED WHOLESALE MORTGAGE, LLC ($7,802), .
The lowest rate Arcadia lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.74%), UNITED WHOLESALE MORTGAGE, LLC (7.18%), .
Arcadia, FL Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| HOMESIDE FINANCIAL, LLC | $14,610,000 | n/a | 15.9% | |
| UNITED WHOLESALE MORTGAGE, LLC | $8,570,000 | $7,850,000 | -8.4% | 8.6% |
| QUICKEN LOANS, LLC | $7,210,000 | $4,985,000 | -30.9% | 5.4% |
| Wauchula State Bank | $1,370,000 | $4,270,000 | 211.7% | 4.7% |
| MIDFLORIDA | $1,735,000 | $4,040,000 | 132.9% | 4.4% |
| NEWREZ LLC | $875,000 | $3,260,000 | 272.6% | 3.6% |
| Suncoast Credit Union | $1,205,000 | $2,425,000 | 101.2% | 2.6% |
| PENNYMAC LOAN SERVICES, LLC | $300,000 | $2,290,000 | 663.3% | 2.5% |
| Granite Community Bank | $2,070,000 | n/a | 2.3% | |
| 21ST MORTGAGE CORPORATION | $810,000 | $1,625,000 | 100.6% | 1.8% |
| Paramount Residential Mortgage Group, Inc. | $255,000 | $1,570,000 | 515.7% | 1.7% |
| Mortgage Research Center, LLC | $1,410,000 | $1,420,000 | 0.7% | 1.5% |
| Morgan Stanley Private Bank | $1,400,000 | n/a | 1.5% | |
| South State Bank | $4,630,000 | $1,305,000 | -71.8% | 1.4% |
| Equity Prime Mortgage LLC | $155,000 | $1,225,000 | 690.3% | 1.3% |
| NFM, INC. | $1,545,000 | $1,225,000 | -20.7% | 1.3% |
| JPMorgan Chase Bank | $1,140,000 | n/a | 1.2% | |
| LOANDEPOT.COM, LLC | $735,000 | $1,125,000 | 53.1% | 1.2% |
| MOVEMENT MORTGAGE, LLC | $740,000 | $1,080,000 | 45.9% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $1,015,000 | $1,050,000 | 3.4% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,745,000 | $1,035,000 | -62.3% | 1.1% |
| Truist | $1,550,000 | $990,000 | -36.1% | 1.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,305,000 | $900,000 | -31.0% | 1.0% |
| CARDINAL FINANCIAL | $585,000 | $865,000 | 47.9% | 0.9% |
| Ixonia Bank | $1,140,000 | $810,000 | -28.9% | 0.9% |
| TRIAD FINANCIAL SERVICES, INC. | $950,000 | $715,000 | -24.7% | 0.8% |
| First Jackson Bank, Inc. | $685,000 | n/a | 0.7% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $685,000 | n/a | 0.7% | |
| EVERETT FINANCIAL, INC. | $650,000 | n/a | 0.7% | |
| NAVY FEDERAL CREDIT UNION | $730,000 | $640,000 | -12.3% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $425,000 | $610,000 | 43.5% | 0.7% |
| Bank of America | $730,000 | $580,000 | -20.5% | 0.6% |
| Plains Commerce Bank | $1,140,000 | $580,000 | -49.1% | 0.6% |
| UNION HOME MORTGAGE CORP. | $400,000 | $570,000 | 42.5% | 0.6% |
| Paramount Bank | $565,000 | n/a | 0.6% | |
| The Farmers & Merchants State Bank | $565,000 | n/a | 0.6% | |
| VILLAGE CAPITAL MORTGAGE | $540,000 | n/a | 0.6% | |
| The Central Trust Bank | $535,000 | n/a | 0.6% | |
| PANORAMA MORTGAGE GROUP, LLC | $485,000 | n/a | 0.5% | |
| ABSOLUTE HOME MORTGAGE CORPORATION | $455,000 | n/a | 0.5% | |
| BROKER SOLUTIONS, INC. | $255,000 | $455,000 | 78.4% | 0.5% |
| American Mortgage & Equity Consultants, Inc. | $435,000 | n/a | 0.5% | |
| UNITED MORTGAGE CORP | $435,000 | n/a | 0.5% | |
| VAN DYK MORTGAGE CORPORATION | $435,000 | n/a | 0.5% | |
| Flagstar Bank, FSB | $190,000 | $430,000 | 126.3% | 0.5% |
| LAKE MICHIGAN CREDIT UNION | $590,000 | $430,000 | -27.1% | 0.5% |
| Sierra Pacific Mortgage Company, Inc. | $415,000 | n/a | 0.5% | |
| COUNTRYPLACE MORTGAGE, LTD. | $405,000 | n/a | 0.4% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $385,000 | n/a | 0.4% | |
| Seacoast National Bank | $330,000 | $375,000 | 13.6% | 0.4% |
| Regions Bank | $445,000 | $330,000 | -25.8% | 0.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $325,000 | n/a | 0.4% | |
| HUDSON HERITAGE | $325,000 | n/a | 0.4% | |
| LOANPAL, LLC | $565,000 | $325,000 | -42.5% | 0.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $235,000 | $315,000 | 34.0% | 0.3% |
| MORTGAGE 1 INCORPORATED | $240,000 | $305,000 | 27.1% | 0.3% |
| GERSHMAN INVESTMENT CORP. | $300,000 | n/a | 0.3% | |
| Presidential Bank, FSB | $300,000 | n/a | 0.3% | |
| Prosperity Home Mortgage, LLC | $300,000 | n/a | 0.3% | |
| AgFirst Farm Credit Bank | $245,000 | $295,000 | 20.4% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $205,000 | $290,000 | 41.5% | 0.3% |
| EAGLE HOME MORTGAGE, LLC | $285,000 | n/a | 0.3% | |
| Greenbox Loans, Inc. | $285,000 | n/a | 0.3% | |
| Bank OZK | $105,000 | $280,000 | 166.7% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $275,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $245,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL NETWORK, INC. | $305,000 | $235,000 | -23.0% | 0.3% |
| GTE Federal Credit Union | $235,000 | n/a | 0.3% | |
| NJ LENDERS CORP. | $235,000 | n/a | 0.3% | |
| Bank of England | $225,000 | n/a | 0.2% | |
| EMM LOANS LLC | $225,000 | n/a | 0.2% | |
| First-Citizens Bank & Trust Company | $225,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $1,560,000 | $225,000 | -85.6% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $225,000 | n/a | 0.2% | |
| A&D Mortgage LLC | $215,000 | n/a | 0.2% | |
| GUARANTEED RATE, INC. | $215,000 | n/a | 0.2% | |
| RESIDENTIAL BANCORP | $195,000 | $215,000 | 10.3% | 0.2% |
| SELF-HELP Credit Union | $215,000 | n/a | 0.2% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $235,000 | $205,000 | -12.8% | 0.2% |
| First Home Bank | $125,000 | $195,000 | 56.0% | 0.2% |
| GARDNER FINANCIAL SERVICES, LTD. | $195,000 | n/a | 0.2% | |
| U.S. Bank | $205,000 | $190,000 | -7.3% | 0.2% |
| Bell Bank | $185,000 | n/a | 0.2% | |
| HOMEXPRESS MORTGAGE CORP. | $185,000 | n/a | 0.2% | |
| National Exchange Bank and Trust | $185,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $570,000 | $185,000 | -67.5% | 0.2% |
| ARC HOME LLC | $175,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $550,000 | $165,000 | -70.0% | 0.2% |
| General Mortgage Capital Corporation | $155,000 | n/a | 0.2% | |
| STOCKTON MORTGAGE CORPORATION | $155,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $155,000 | n/a | 0.2% | |
| Discover Bank | $120,000 | $140,000 | 16.7% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $145,000 | $135,000 | -6.9% | 0.1% |
| KEMBA CREDIT UNION, INC. | $135,000 | n/a | 0.1% | |
| M&T Bank | $135,000 | n/a | 0.1% | |
| Citizens Bank | $125,000 | n/a | 0.1% | |
| First Horizon Bank | $405,000 | $125,000 | -69.1% | 0.1% |
| The Loan Store, Inc. | $125,000 | n/a | 0.1% | |
| CAMPUS USA | $120,000 | n/a | 0.1% | |
| Mr. Cooper ( Nationstar Mortgage ) | $215,000 | $105,000 | -51.2% | 0.1% |
| PNC Bank | $185,000 | $105,000 | -43.2% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $105,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $195,000 | $95,000 | -51.3% | 0.1% |
| ACHIEVA CREDIT UNION | $85,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $75,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $75,000 | n/a | 0.1% | |
| Figure Lending LLC | $55,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $55,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $55,000 | n/a | 0.1% |
Arcadia's top lender by overall market share is HOMESIDE FINANCIAL, LLC, with 15.9% market share. In second place, with 8.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,850,000 in loans. In third place, with 5.4%, is QUICKEN LOANS, LLC, having originated $4,985,000 in loans. In fourth place, with 4.7%, is Wauchula State Bank, having originated $4,270,000 in loans. In fifth place, with 4.4%, is MIDFLORIDA, having originated $4,040,000 in loans.
Arcadia, FL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 293 | $69,605,000 | $237,560 |
| Cash Out Refi | 44 | $8,440,000 | $191,818 |
| Other | 39 | $4,175,000 | $107,051 |
| Refi | 33 | $6,635,000 | $201,061 |
| Home Improvement | 30 | $2,860,000 | $95,333 |
Arcadia's most frequently cited loan purpose was Home Purchase, with 293 originations. The 2nd most popular reason was Cash Out Refi, with 44 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 168 | $41,160,000 | $245,000 |
| 7-8% | 88 | $18,870,000 | $214,432 |
| Over 8% | 83 | $8,885,000 | $107,048 |
| 5-6% | 58 | $16,170,000 | $278,793 |
| <2.5% | 22 | $330,000 | $15,000 |
| 4-5% | 7 | $1,115,000 | $159,286 |
| 2.5-3% | 1 | $185,000 | $185,000 |
During 2024, Arcadia's most frequently originated rate bucket was 6-7%, with 168 originations.
Loan Sizing (Arcadia, FL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 177 | $48,065,000 | $271,554 |
| $100k-200k | 122 | $18,390,000 | $150,738 |
| $100,000 or less | 103 | $4,745,000 | $46,068 |
| $400k-600k | 29 | $13,695,000 | $472,241 |
| $600k-1000k | 7 | $4,945,000 | $706,429 |
| $Over $1MM | 1 | $1,875,000 | $1,875,000 |
Arcadia's loan sizing saw the bucket of loans from $200k-400k with 177 originations, totaling $48,065,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 223 | $61,085,000 | $273,924 |
| Under 20% | 70 | $2,610,000 | $37,286 |
| 60-80% | 47 | $9,855,000 | $209,681 |
| 20-40% | 44 | $5,800,000 | $131,818 |
| 40-60% | 39 | $6,335,000 | $162,436 |
Arcadia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 223 originations, totaling $61,085,000 in origination value.