LAKELAND - WINTER HAVEN Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Lakeland - Winter Haven averaged
6.55%
for the week of 2024-10-10, compared to the national average of
6.32% for the same period.
The average rate for the prior week (2024-10-03) was
6.05% and
one month ago for the week of 2024-09-05, the
average rate was 6.28%.
Lakeland - Winter Haven's average rate one year ago was 7.62%.
For refis of the same type during the week of 2024-10-10, the average rate
was 6.81%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-10 | 6.32% |
Lakeland - Winter Haven 30 Year Fixed Rate | 2024-10-10 | 6.55% |
Lakeland - Winter Haven 30 Year Fixed Rate Refi | 2024-10-10 | 6.81% |
Lakeland - Winter Haven 15 Year Fixed Rate | 2024-10-10 | 5.98% |
Lakeland - Winter Haven 15 Year Fixed Rate Refi | 2024-10-10 | 5.71% |
Lakeland - Winter Haven 30 Year FHA | 2024-10-10 | 5.45% |
Lakeland - Winter Haven 30 Year FHA Refi | 2024-10-10 | 6.1% |
Lakeland - Winter Haven 30 Year USDA | 2024-10-10 | 5.88% |
Lakeland - Winter Haven 30 Year USDA Refi | 2024-10-10 | 6.08% |
Lakeland - Winter Haven 30 Year VA | 2024-10-10 | 5.56% |
Lakeland - Winter Haven 30 Year VA Refi | 2024-10-10 | 6.05% |
LAKELAND - WINTER HAVEN 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 LAKELAND-WINTER HAVEN, 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.).
LAKELAND - WINTER HAVEN Average Closing Costs & Other Stats
LAKELAND-WINTER HAVEN, FL's 393 lenders originated 20,576
loans during 2023. The total origination value was $5,427,470,000, with an average loan value of
$263,777.
LAKELAND - WINTER HAVEN's average closing costs are $7,012.
The top LAKELAND - WINTER HAVEN lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
655 loans originated. Their average total fees are
$9,088, which is $1,145
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee LAKELAND - WINTER HAVEN lenders (with over 10 loans originated) are
Discover Bank ($0), PULTE MORTGAGE LLC ($2,438), HOMEAMERICAN MORTGAGE CORPORATION ($3,289), Hancock Whitney Bank ($3,485) and RBC Bank, (Georgia) ($3,687).
The lowest rate LAKELAND - WINTER HAVEN lenders (with over 10 loans originated) are
NJ LENDERS CORP. (4.59%), PARK SQUARE HOME MORTGAGE, LLC (5.41%), Suncoast Credit Union (5.42%), EAGLE HOME MORTGAGE, LLC (5.73%) and Hancock Whitney Bank (5.75%).
LAKELAND-WINTER HAVEN, 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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
---|---|---|---|---|
UNITED WHOLESALE MORTGAGE, LLC | $487,850,000 | $534,475,000 | 9.6% | 9.8% |
DHI MORTGAGE COMPANY, LTD. | $281,420,000 | $340,260,000 | 20.9% | 6.3% |
QUICKEN LOANS, LLC | $390,830,000 | $221,020,000 | -43.4% | 4.1% |
EAGLE HOME MORTGAGE, LLC | $145,010,000 | $205,485,000 | 41.7% | 3.8% |
HOME SOLUTION LENDERS INC. | $147,095,000 | $150,820,000 | 2.5% | 2.8% |
MIDFLORIDA | $238,715,000 | $137,465,000 | -42.4% | 2.5% |
LOANDEPOT.COM, LLC | $199,570,000 | $128,010,000 | -35.9% | 2.4% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $116,390,000 | $107,630,000 | -7.5% | 2.0% |
CROSSCOUNTRY MORTGAGE, LLC | $136,090,000 | $105,825,000 | -22.2% | 1.9% |
South State Bank | $79,765,000 | $96,825,000 | 21.4% | 1.8% |
THE MORTGAGE FIRM, INC. | $168,835,000 | $96,365,000 | -42.9% | 1.8% |
BROKER SOLUTIONS, INC. | $67,830,000 | $93,800,000 | 38.3% | 1.7% |
NFM, INC. | $31,295,000 | $83,960,000 | 168.3% | 1.5% |
KBHS HOME LOANS, LLC | $114,720,000 | $83,425,000 | -27.3% | 1.5% |
FBC MORTGAGE, LLC | $73,525,000 | $81,645,000 | 11.0% | 1.5% |
NVR Mortgage Finance, Inc. | $77,000,000 | $79,270,000 | 2.9% | 1.5% |
Plains Commerce Bank | $89,125,000 | $73,115,000 | -18.0% | 1.3% |
Mortgage Research Center, LLC | $88,525,000 | $68,535,000 | -22.6% | 1.3% |
MOVEMENT MORTGAGE, LLC | $85,830,000 | $65,975,000 | -23.1% | 1.2% |
AMWEST FUNDING CORP. | $50,870,000 | $65,255,000 | 28.3% | 1.2% |
Old National Bank | $52,810,000 | n/a | 1.0% | |
GUARANTEED RATE, INC. | $53,000,000 | $50,490,000 | -4.7% | 0.9% |
First-Citizens Bank & Trust Company | $1,080,000 | $49,510,000 | 4,484.3% | 0.9% |
FREEDOM MORTGAGE CORPORATION | $100,910,000 | $46,440,000 | -54.0% | 0.9% |
GARDNER FINANCIAL SERVICES, LTD. | $42,990,000 | n/a | 0.8% | |
PULTE MORTGAGE LLC | $28,910,000 | $42,750,000 | 47.9% | 0.8% |
CARDINAL FINANCIAL | $33,915,000 | $41,590,000 | 22.6% | 0.8% |
EVERETT FINANCIAL, INC. | $30,325,000 | $41,350,000 | 36.4% | 0.8% |
NEWREZ LLC | $25,955,000 | $40,890,000 | 57.5% | 0.8% |
PENNYMAC LOAN SERVICES, LLC | $105,040,000 | $39,665,000 | -62.2% | 0.7% |
Truist | $98,760,000 | $38,720,000 | -60.8% | 0.7% |
Citizens Bank and Trust | $22,705,000 | $38,315,000 | 68.8% | 0.7% |
STOCKTON MORTGAGE CORPORATION | $21,255,000 | $36,790,000 | 73.1% | 0.7% |
CMG MORTGAGE, INC. | $12,055,000 | $35,105,000 | 191.2% | 0.6% |
HOMEAMERICAN MORTGAGE CORPORATION | $42,260,000 | $34,925,000 | -17.4% | 0.6% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $47,160,000 | $33,580,000 | -28.8% | 0.6% |
JPMorgan Chase Bank | $43,445,000 | $32,300,000 | -25.7% | 0.6% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $128,905,000 | $31,750,000 | -75.4% | 0.6% |
South Pacific Financial Corporation | $35,965,000 | $31,540,000 | -12.3% | 0.6% |
Paramount Residential Mortgage Group, Inc. | $61,655,000 | $31,140,000 | -49.5% | 0.6% |
Waterstone Mortgage Corporation | $26,780,000 | $30,160,000 | 12.6% | 0.6% |
Banco do Brasil Americas | $7,160,000 | $29,940,000 | 318.2% | 0.6% |
CALIBER HOME LOANS, INC. | $175,815,000 | $29,500,000 | -83.2% | 0.5% |
NAVY FEDERAL CREDIT UNION | $43,400,000 | $28,745,000 | -33.8% | 0.5% |
Wells Fargo Bank | $69,075,000 | $28,530,000 | -58.7% | 0.5% |
A&D Mortgage LLC | $23,275,000 | $27,595,000 | 18.6% | 0.5% |
PARK SQUARE HOME MORTGAGE, LLC | $33,360,000 | $25,740,000 | -22.8% | 0.5% |
Flagstar Bank, FSB | $47,250,000 | $24,055,000 | -49.1% | 0.4% |
TD Bank | $14,295,000 | $23,795,000 | 66.5% | 0.4% |
GUILD MORTGAGE COMPANY | $22,070,000 | $22,710,000 | 2.9% | 0.4% |
BAC Florida Bank | $10,945,000 | $22,525,000 | 105.8% | 0.4% |
Bank of America | $36,755,000 | $21,790,000 | -40.7% | 0.4% |
AMERICAN FINANCIAL NETWORK, INC. | $21,170,000 | n/a | 0.4% | |
Suncoast Credit Union | $21,085,000 | $20,830,000 | -1.2% | 0.4% |
MUTUAL OF OMAHA MORTGAGE, INC. | $25,470,000 | $20,155,000 | -20.9% | 0.4% |
Mr. Cooper ( Nationstar Mortgage ) | $64,315,000 | $20,075,000 | -68.8% | 0.4% |
DEEPHAVEN MORTGAGE LLC | $23,340,000 | $19,355,000 | -17.1% | 0.4% |
JET HOMELOANS, LLC | $6,995,000 | $18,300,000 | 161.6% | 0.3% |
Hometown Equity Mortgage, LLC | $10,660,000 | $18,075,000 | 69.6% | 0.3% |
Citadel Servicing Corporation | $12,085,000 | $17,685,000 | 46.3% | 0.3% |
LENDINGHOME FUNDING CORPORATION | $17,805,000 | $17,600,000 | -1.2% | 0.3% |
UNION HOME MORTGAGE CORP. | $8,535,000 | $17,270,000 | 102.3% | 0.3% |
AMERICAN PACIFIC MORTGAGE CORPORATION | $13,275,000 | $17,065,000 | 28.5% | 0.3% |
Bank Of Central Florida | $16,090,000 | n/a | 0.3% | |
Citizens Bank | $30,715,000 | $15,165,000 | -50.6% | 0.3% |
Regions Bank | $20,470,000 | $14,820,000 | -27.6% | 0.3% |
Equity Prime Mortgage LLC | $26,030,000 | $14,775,000 | -43.2% | 0.3% |
OCMBC, INC. | $4,075,000 | $14,590,000 | 258.0% | 0.3% |
VELOCIO MORTGAGE L.L.C. | $12,820,000 | $14,130,000 | 10.2% | 0.3% |
RBC Bank, (Georgia) | $12,570,000 | $14,100,000 | 12.2% | 0.3% |
U.S. Bank | $26,650,000 | $14,005,000 | -47.4% | 0.3% |
Carrington Mortgage Services, LLC | $25,750,000 | $13,370,000 | -48.1% | 0.2% |
GENEVA FINANCIAL, LLC | $7,620,000 | $13,260,000 | 74.0% | 0.2% |
Sierra Pacific Mortgage Company, Inc. | $12,375,000 | $13,130,000 | 6.1% | 0.2% |
GREYSTONE SERVICING COMPANY LLC | $56,165,000 | $13,005,000 | -76.8% | 0.2% |
HOMEXPRESS MORTGAGE CORP. | $14,645,000 | $12,770,000 | -12.8% | 0.2% |
MY MORTGAGE, INC. | $14,315,000 | $12,430,000 | -13.2% | 0.2% |
HOMESIDE FINANCIAL, LLC | $13,385,000 | $12,385,000 | -7.5% | 0.2% |
AMERISAVE MORTGAGE CORPORATION | $36,535,000 | $12,250,000 | -66.5% | 0.2% |
USAA Federal Savings Bank | $15,055,000 | $11,775,000 | -21.8% | 0.2% |
Raymond James Bank | $1,345,000 | $11,720,000 | 771.4% | 0.2% |
21ST MORTGAGE CORPORATION | $12,435,000 | $11,625,000 | -6.5% | 0.2% |
AMERICAN HERITAGE LENDING, INC. | $3,325,000 | $11,090,000 | 233.5% | 0.2% |
TRIAD FINANCIAL SERVICES, INC. | $13,805,000 | $10,995,000 | -20.4% | 0.2% |
GUARANTEED RATE AFFINITY, LLC | $18,465,000 | $10,940,000 | -40.8% | 0.2% |
CBRE MULTIFAMILY CAPITAL, INC. | $10,365,000 | n/a | 0.2% | |
INSPIRE HOME LOANS INC. | $8,310,000 | $10,250,000 | 23.3% | 0.2% |
Barings Multifamily Capital | $10,015,000 | n/a | 0.2% | |
Commerce Home Mortgage, Inc. | $4,205,000 | $9,625,000 | 128.9% | 0.2% |
PNC Bank | $28,935,000 | $8,830,000 | -69.5% | 0.2% |
PLAZA HOME MORTGAGE, INC. | $6,320,000 | $8,785,000 | 39.0% | 0.2% |
NEW DAY FINANCIAL, LLC | $14,480,000 | $8,655,000 | -40.2% | 0.2% |
MID AMERICA MORTGAGE, INC. | $4,360,000 | $8,570,000 | 96.6% | 0.2% |
Prime Meridian Bank | $5,300,000 | $8,545,000 | 61.2% | 0.2% |
First Heritage Mortgage, LLC | $2,595,000 | $8,525,000 | 228.5% | 0.2% |
PARTNERS | $17,075,000 | $8,200,000 | -52.0% | 0.2% |
Mortgage Lenders Investment Trading Corporation | $42,710,000 | $8,015,000 | -81.2% | 0.1% |
Century Mortgage Company DBA Century Lending Company | $3,820,000 | $7,825,000 | 104.8% | 0.1% |
PLANET HOME LENDING, LLC | $17,930,000 | $7,825,000 | -56.4% | 0.1% |
Discover Bank | $3,400,000 | $7,745,000 | 127.8% | 0.1% |
HOMEOWNERS FINANCIAL GROUP USA, LLC | $6,915,000 | $7,585,000 | 9.7% | 0.1% |
Centennial Bank | $5,220,000 | $7,490,000 | 43.5% | 0.1% |
PENTAGON FEDERAL CREDIT UNION | $15,165,000 | $7,430,000 | -51.0% | 0.1% |
ACADEMY MORTGAGE CORPORATION | $2,160,000 | $7,325,000 | 239.1% | 0.1% |
CANOPY MORTGAGE, LLC | $1,645,000 | $7,285,000 | 342.9% | 0.1% |
Bank of England | $15,995,000 | $7,280,000 | -54.5% | 0.1% |
VELOCITY COMMERCIAL CAPITAL, LLC | $3,605,000 | $7,270,000 | 101.7% | 0.1% |
The Federal Savings Bank | $10,115,000 | $6,840,000 | -32.4% | 0.1% |
SUN WEST MORTGAGE COMPANY, INC. | $6,780,000 | $6,755,000 | -0.4% | 0.1% |
Fifth Third Bank | $15,190,000 | $6,675,000 | -56.1% | 0.1% |
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $4,775,000 | $6,630,000 | 38.8% | 0.1% |
PREMIER MORTGAGE RESOURCES, L.L.C. | $3,230,000 | $6,480,000 | 100.6% | 0.1% |
ARC HOME LLC | $4,635,000 | $6,430,000 | 38.7% | 0.1% |
City National Bank of Florida | $3,010,000 | $6,395,000 | 112.5% | 0.1% |
Hancock Whitney Bank | $10,020,000 | $6,240,000 | -37.7% | 0.1% |
VILLAGE CAPITAL MORTGAGE | $7,100,000 | $6,200,000 | -12.7% | 0.1% |
ANGEL OAK MORTGAGE SOLUTIONS LLC | $15,125,000 | $6,075,000 | -59.8% | 0.1% |
LOANPAL, LLC | $15,050,000 | $5,990,000 | -60.2% | 0.1% |
MORTGAGE EQUITY PARTNERS LLC | $6,915,000 | $5,885,000 | -14.9% | 0.1% |
AMCAP MORTGAGE, LTD. | $3,750,000 | $5,880,000 | 56.8% | 0.1% |
GTE Federal Credit Union | $11,695,000 | $5,875,000 | -49.8% | 0.1% |
VAN DYK MORTGAGE CORPORATION | $5,840,000 | $5,825,000 | -0.3% | 0.1% |
HOMESPIRE MORTGAGE CORPORATION | $6,455,000 | $5,760,000 | -10.8% | 0.1% |
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $4,845,000 | $5,735,000 | 18.4% | 0.1% |
Ixonia Bank | $7,225,000 | $5,610,000 | -22.4% | 0.1% |
LIMA ONE CAPITAL, LLC | $7,260,000 | $5,560,000 | -23.4% | 0.1% |
Third Federal Savings and Loan Association of Cleveland | $8,225,000 | $5,495,000 | -33.2% | 0.1% |
American Mortgage & Equity Consultants, Inc. | $5,485,000 | n/a | 0.1% | |
GSF Mortgage Corporation | $8,545,000 | $5,455,000 | -36.2% | 0.1% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $13,285,000 | $5,440,000 | -59.1% | 0.1% |
NORTHPOINT MORTGAGE, INC. | $3,205,000 | $5,380,000 | 67.9% | 0.1% |
EMBRACE HOME LOANS, INC. | $12,395,000 | $5,345,000 | -56.9% | 0.1% |
FAIRWINDS CREDIT UNION | $8,390,000 | $5,295,000 | -36.9% | 0.1% |
Terrabank | $5,255,000 | n/a | 0.1% | |
MICHIGAN MUTUAL, INC. | $3,610,000 | $5,125,000 | 42.0% | 0.1% |
TOWNE MORTGAGE COMPANY | $1,755,000 | $5,075,000 | 189.2% | 0.1% |
ABSOLUTE HOME MORTGAGE CORPORATION | $10,105,000 | $5,025,000 | -50.3% | 0.1% |
BAY EQUITY LLC | $3,635,000 | $5,020,000 | 38.1% | 0.1% |
LENDSURE MORTGAGE CORP. | $7,545,000 | $4,965,000 | -34.2% | 0.1% |
The Huntington National Bank | $5,115,000 | $4,935,000 | -3.5% | 0.1% |
DAS Acquisition Company, LLC | $9,145,000 | $4,885,000 | -46.6% | 0.1% |
ACOPIA, LLC | $10,280,000 | $4,715,000 | -54.1% | 0.1% |
Bell Bank | $3,655,000 | $4,670,000 | 27.8% | 0.1% |
BETTER MORTGAGE CORPORATION | $12,225,000 | $4,655,000 | -61.9% | 0.1% |
Figure Lending LLC | $3,950,000 | $4,655,000 | 17.8% | 0.1% |
FINANCE OF AMERICA REVERSE LLC | $2,995,000 | $4,580,000 | 52.9% | 0.1% |
SOUTHWEST STAGE FUNDING, LLC | $2,885,000 | $4,535,000 | 57.2% | 0.1% |
LAKEVIEW LOAN SERVICING, LLC | $30,125,000 | $4,480,000 | -85.1% | 0.1% |
Wauchula State Bank | $5,275,000 | $4,480,000 | -15.1% | 0.1% |
EQUITY RESOURCES, INC. | $5,085,000 | $4,465,000 | -12.2% | 0.1% |
Grow Financial Federal Credit Union | $1,185,000 | $4,465,000 | 276.8% | 0.1% |
Coastal Community Bank | $4,455,000 | n/a | 0.1% | |
EMM LOANS LLC | $3,280,000 | $4,450,000 | 35.7% | 0.1% |
NP, Inc. | $1,345,000 | $4,415,000 | 228.3% | 0.1% |
First Horizon Bank | $5,420,000 | $4,410,000 | -18.6% | 0.1% |
ZILLOW HOME LOANS, LLC | $7,865,000 | $4,365,000 | -44.5% | 0.1% |
OPEN MORTGAGE, LLC | $4,880,000 | $4,265,000 | -12.6% | 0.1% |
DOMINION FINANCIAL SERVICES, LLC | $2,555,000 | $4,240,000 | 65.9% | 0.1% |
TrustCo Bank | $6,325,000 | $4,205,000 | -33.5% | 0.1% |
Valley National Bank | $5,280,000 | $4,195,000 | -20.5% | 0.1% |
Gateway First Bank | $4,815,000 | $4,185,000 | -13.1% | 0.1% |
PROVIDENT FUNDING ASSOCIATES, L.P. | $3,560,000 | $4,180,000 | 17.4% | 0.1% |
SECURITYNATIONAL MORTGAGE COMPANY | $11,095,000 | $3,990,000 | -64.0% | 0.1% |
Synovus Bank | $63,300,000 | $3,945,000 | -93.8% | 0.1% |
Morgan Stanley Private Bank | $4,880,000 | $3,850,000 | -21.1% | 0.1% |
General Mortgage Capital Corporation | $2,075,000 | $3,835,000 | 84.8% | 0.1% |
ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $3,625,000 | $3,745,000 | 3.3% | 0.1% |
First National Bank of America | $4,575,000 | $3,665,000 | -19.9% | 0.1% |
PUBLIX EMPLOYEES | $15,835,000 | $3,660,000 | -76.9% | 0.1% |
NBKC BANK | $2,975,000 | $3,525,000 | 18.5% | 0.1% |
Nations Lending Corporation | $9,750,000 | $3,510,000 | -64.0% | 0.1% |
Cornerstone First Mortgage, Inc | $3,345,000 | $3,505,000 | 4.8% | 0.1% |
Barrington Bank & Trust Company, N.A. | $3,970,000 | $3,455,000 | -13.0% | 0.1% |
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $5,360,000 | $3,440,000 | -35.8% | 0.1% |
GERSHMAN INVESTMENT CORP. | $6,030,000 | $3,415,000 | -43.4% | 0.1% |
ENDEAVOR CAPITAL, LLC. | $1,800,000 | $3,345,000 | 85.8% | 0.1% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $4,085,000 | $3,330,000 | -18.5% | 0.1% |
Bank OZK | $190,000 | $3,255,000 | 1,613.2% | 0.1% |
WALKER & DUNLOP, LLC | $191,480,000 | $3,165,000 | -98.3% | 0.1% |
Keystone Funding, Inc. | $3,110,000 | n/a | 0.1% | |
AMERICAN FINANCIAL RESOURCES, INC. | $4,855,000 | $3,100,000 | -36.1% | 0.1% |
Logan Finance Corporation | $3,085,000 | n/a | 0.1% | |
TOP FLITE FINANCIAL, INC. | $5,375,000 | $3,085,000 | -42.6% | 0.1% |
Ally Bank | $5,125,000 | $3,055,000 | -40.4% | 0.1% |
Helm Bank USA | $470,000 | $3,005,000 | 539.4% | 0.1% |
Desjardins Bank | $1,480,000 | $2,860,000 | 93.2% | 0.1% |
NATIONS RELIABLE LENDING, LLC | $2,710,000 | $2,850,000 | 5.2% | 0.1% |
Prosperity Home Mortgage, LLC | $630,000 | $2,830,000 | 349.2% | 0.1% |
NJ LENDERS CORP. | $2,300,000 | $2,795,000 | 21.5% | 0.1% |
SPRING EQ, LLC | $7,060,000 | $2,720,000 | -61.5% | 0.1% |
Ameris Bank | $1,715,000 | $2,640,000 | 53.9% | 0.0% |
Mid-Continent Funding, Inc. | $2,140,000 | $2,635,000 | 23.1% | 0.0% |
CHURCHILL MORTGAGE CORPORATION | $2,980,000 | $2,620,000 | -12.1% | 0.0% |
DRAPER AND KRAMER MORTGAGE CORP. | $1,325,000 | $2,585,000 | 95.1% | 0.0% |
VYSTAR | $2,665,000 | $2,560,000 | -3.9% |