Florida Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Florida averaged 6.38% 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 5.88% and one month ago for the week of 2024-09-05, the average rate was 6.51%.

Florida's average rate one year ago was 7.25%.

For refis of the same type during the week of 2024-10-10, the average rate was 7.11%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-10 6.32%
Florida 30 Year Fixed Rate 2024-10-10 6.38%
Florida 30 Year Fixed Rate Refi 2024-10-10 7.11%
Florida 15 Year Fixed Rate 2024-10-10 5.55%
Florida 15 Year Fixed Rate Refi 2024-10-10 6.15%
Florida 30 Year FHA 2024-10-10 5.54%
Florida 30 Year FHA Refi 2024-10-10 5.9%
Florida 30 Year USDA 2024-10-10 5.61%
Florida 30 Year USDA Refi 2024-10-10 5.88%
Florida 30 Year VA 2024-10-10 5.44%
Florida 30 Year VA Refi 2024-10-10 5.18%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Florida.

Florida 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 Florida 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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 22,983 6.79% $9,960
QUICKEN LOANS, LLC 13,696 6.72% $8,465
EAGLE HOME MORTGAGE, LLC 5,784 5.96% $6,540
CROSSCOUNTRY MORTGAGE, LLC 5,407 6.93% $9,405
DHI MORTGAGE COMPANY, LTD. 5,283 5.84% $3,778
JPMorgan Chase Bank 4,625 6.46% $7,793
PULTE MORTGAGE LLC 3,022 6.29% $3,509
Wells Fargo Bank 2,987 6.23% $6,648
LOANDEPOT.COM, LLC 2,908 6.64% $7,478
MOVEMENT MORTGAGE, LLC 2,846 6.78% $8,282
THE MORTGAGE FIRM, INC. 2,506 6.86% $7,566
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2,483 6.82% $8,305
Bank of America 2,139 6.13% $7,282
GUARANTEED RATE, INC. 2,042 6.73% $8,317
Regions Bank 2,015 6.44% $8,023
Paramount Residential Mortgage Group, Inc. 1,989 7.09% $12,275
Truist 1,874 6.46% $7,150
PENNYMAC LOAN SERVICES, LLC 1,711 6.68% $9,311
NEWREZ LLC 1,697 7.01% $9,531
Citizens First Bank 1,566 7.03% $4,530
NAVY FEDERAL CREDIT UNION 1,530 6.43% $5,567
Suncoast Credit Union 1,508 5.54% $4,132
U.S. Bank 1,485 6.44% $8,238
South State Bank 1,458 6.57% $7,222
Flagstar Bank, FSB 1,432 6.99% $9,023
FBC MORTGAGE, LLC 1,415 6.68% $8,892
CARDINAL FINANCIAL 1,395 6.85% $9,497
EVERETT FINANCIAL, INC. 1,361 7.15% $9,562
CMG MORTGAGE, INC. 1,290 6.71% $9,449
NFM, INC. 1,232 6.79% $8,893
A&D Mortgage LLC 1,201 8.44% $17,968
Morgan Stanley Private Bank 1,129 5.78% $6,088
TD Bank 1,075 6.31% $6,241
BROKER SOLUTIONS, INC. 1,063 7.01% $9,441
South Pacific Financial Corporation 1,033 6.45% $6,605
GUARANTEED RATE AFFINITY, LLC 951 6.79% $7,314
AMERICAN FINANCIAL NETWORK, INC. 945 6.92% $9,968
Ameris Bank 902 6.85% $8,213
Citizens Bank 897 6.49% $9,538
UNION HOME MORTGAGE CORP. 895 6.97% $8,122
Plains Commerce Bank 874 6.83% $9,960
Bank of England 865 6.75% $7,969
Waterstone Mortgage Corporation 853 6.93% $9,530
First Horizon Bank 846 6.23% $8,498
JET HOMELOANS, LLC 815 6.54% $7,703
Mr. Cooper ( Nationstar Mortgage ) 792 6.60% $9,697
MATTAMY HOME FUNDING, LLC 773 6.37% $6,038
HOMESIDE FINANCIAL, LLC 732 6.83% $9,316
City National Bank of Florida 724 5.74% $9,260
NVR Mortgage Finance, Inc. 720 6.14% $5,699
M/I FINANCIAL, LLC 719 6.37% $11,073
CALIBER HOME LOANS, INC. 718 6.61% $8,534
AMERICAN PACIFIC MORTGAGE CORPORATION 712 6.94% $9,992
SPACE COAST Credit Union 707 5.98% $1,948
Fifth Third Bank 703 6.47% $7,160
KBHS HOME LOANS, LLC 700 6.06% $8,942
PNC Bank 685 6.45% $6,264
Sierra Pacific Mortgage Company, Inc. 673 6.88% $10,164
PROVIDENT FUNDING ASSOCIATES, L.P. 661 6.52% $7,257
HOMEBRIDGE FINANCIAL SERVICES, INC. 633 6.48% $10,779
Citibank 630 5.63% $9,963
Third Federal Savings and Loan Association of Cleveland 626 5.89% $2,057
VAN DYK MORTGAGE CORPORATION 616 6.83% $6,604
PRIMELENDING, A PLAINSCAPITAL COMPANY 609 6.84% $8,348
MIDFLORIDA 592 6.15% $4,933
TrustCo Bank 537 5.57% $5,738
Capital City Home Loans, LLC 511 6.59% $9,821
FREEDOM MORTGAGE CORPORATION 497 6.87% $10,372
Northpointe Bank 475 7.02% $10,180
PLAZA HOME MORTGAGE, INC. 475 6.98% $11,964
NP, Inc. 473 7.94% $13,973
SWBC MORTGAGE CORPORATION 461 6.17% $5,562
ACADEMY MORTGAGE CORPORATION 460 6.91% $8,628
ANGEL OAK MORTGAGE SOLUTIONS LLC 454 8.28% $18,720
Prosperity Home Mortgage, LLC 450 6.88% $7,257
BETTER MORTGAGE CORPORATION 442 6.24% $7,269
MUTUAL OF OMAHA MORTGAGE, INC. 441 6.72% $8,435
AMERISAVE MORTGAGE CORPORATION 434 6.35% $10,494
TBI MORTGAGE COMPANY 414 6.33% $12,564
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 409 6.92% $8,516
HOMEOWNERS FINANCIAL GROUP USA, LLC 405 6.97% $8,862
The Huntington National Bank 404 6.48% $8,490
MY MORTGAGE, INC. 402 7.16% $12,068
LAKE MICHIGAN CREDIT UNION 397 6.54% $7,149
Hancock Whitney Bank 396 6.33% $6,347
PRIMARY RESIDENTIAL MORTGAGE, INC. 386 6.97% $11,935
GENEVA FINANCIAL, LLC 382 7.02% $12,658
GUILD MORTGAGE COMPANY 381 6.95% $7,769
NEAL COMMUNITIES FUNDING, LLC 377 6.96% $5,508
AmeriHome Mortgage Company, LLC 376 6.57% $7,306
Ixonia Bank 372 6.96% $8,583
Century Mortgage Company DBA Century Lending Company 368 7.01% $11,631
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 359 6.82% $9,842
DEEPHAVEN MORTGAGE LLC 359 8.60% $17,885
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 354 6.91% $8,920
Centennial Bank 353 6.79% $6,578
Citadel Servicing Corporation 347 8.86% $16,925
VANDERBILT MORTGAGE AND FINANCE, INC. 341 6.65% $6,194
Mortgage Lenders Investment Trading Corporation 340 6.93% $7,018
VYSTAR 340 6.75% $4,573
GTE Federal Credit Union 331 5.82% $6,060
First Federal Bank 331 6.66% $6,047
OCMBC, INC. 328 8.36% $17,061
EMBRACE HOME LOANS, INC. 326 6.59% $8,227
BAY EQUITY LLC 320 6.64% $7,773
FAIRWINDS CREDIT UNION 315 6.35% $6,018
Raymond James Bank 313 5.52% $7,055
21ST MORTGAGE CORPORATION 308 7.95% $6,230
USAA Federal Savings Bank 307 6.61% $6,999
Mortgage Research Center, LLC 307 6.63% $7,023
RBC Bank, (Georgia) 299 5.73% $4,376
ABSOLUTE HOME MORTGAGE CORPORATION 296 6.89% $10,393
ARK-LA-TEX FINANCIAL SERVICES, LLC. 294 6.75% $10,037
UBS Bank USA 292 5.95% $10,610
ARC HOME LLC 291 8.02% $15,500
Seacoast National Bank 285 6.49% $7,258
University Bank 282 6.68% $6,617
Synovus Bank 281 6.38% $7,348
NBKC BANK 276 6.70% $5,365
NEXERA HOLDING LLC 274 8.50% $19,720
HOMEAMERICAN MORTGAGE CORPORATION 271 6.01% $2,631
Valley National Bank 269 6.36% $7,011
SUCCESS MORTGAGE PARTNERS, INC. 264 6.82% $9,786
MICHIGAN MUTUAL, INC. 263 6.81% $10,351
Bell Bank 256 6.90% $6,844
FIRST MORTGAGE COMPANY, INC. 251 6.14% $9,363
Charles Schwab Bank, SSB 249 5.69% $7,273
Cornerstone First Mortgage, Inc 246 7.01% $13,351
ZILLOW HOME LOANS, LLC 238 6.86% $7,437
FIRSTBANK PUERTO RICO 238 6.44% $5,588
PENTAGON FEDERAL CREDIT UNION 234 6.22% $6,396
NexBank 232 7.30% $11,189
LENDSURE MORTGAGE CORP. 228 8.40% $18,691
HOME SOLUTION LENDERS INC. 228 6.36% $11,119
HOMEXPRESS MORTGAGE CORP. 226 8.56% $17,163
Ally Bank 223 6.41% $7,563
The Loan Store, Inc. 220 6.90% $9,098
EMM LOANS LLC 218 6.91% $10,216
LEADERONE FINANCIAL CORPORATION 218 6.92% $7,403
Discover Bank 216 6.89% $0
BancorpSouth 216 6.49% $7,510
American Mortgage & Equity Consultants, Inc. 213 7.06% $8,840
STOCKTON MORTGAGE CORPORATION 211 6.91% $9,026
COMMUNITY FIRST CREDIT UNION OF FLO 206 6.63% $3,513
MORTGAGE EQUITY PARTNERS LLC 204 6.67% $9,845
GERSHMAN INVESTMENT CORP. 204 6.99% $8,387
1ST FINANCIAL, INC. 203 7.09% $15,028
DYBN FINANCIAL CORP. 203 6.74% $7,828
ROYAL UNITED MORTGAGE LLC 199 6.78% $8,280
NATIONWIDE MORTGAGE BANKERS, INC. 198 6.91% $12,596
Trustmark National Bank 195 6.72% $6,274
MORTGAGE 1 INCORPORATED 195 7.07% $7,795
AMERICAN PORTFOLIO MORTGAGE CORPORATION 193 6.93% $10,995
CHURCHILL MORTGAGE CORPORATION 192 6.76% $7,536
Equity Prime Mortgage LLC 186 7.03% $9,526
WATSON MORTGAGE CORP. 183 6.15% $5,849
NORTHPOINT MORTGAGE, INC. 183 6.98% $7,503
FIRST EQUITY MORTGAGE BANKERS, INC. 180 6.85% $11,488
CAMPUS USA 180 6.60% $4,449
AMERICAN HERITAGE LENDING, INC. 179 8.53% $17,795
TOWNE MORTGAGE COMPANY 178 6.82% $8,714
The Federal Savings Bank 178 6.89% $9,930
Stifel Bank and Trust 176 5.88% $5,364
First National Bank of America 173 10.08% $12,431
NJ LENDERS CORP. 166 6.05% $7,287
Grow Financial Federal Credit Union 165 5.82% $5,230
ITHINK FINANCIAL Credit Union 164 7.31% $10,789
Summit Mortgage Corporation 163 6.89% $7,395
First Republic Bank 163 4.80% $10,749
AMERICAN BANCSHARES MORTGAGE 162 7.06% $9,851
ACOPIA, LLC 162 6.95% $8,541
DAS Acquisition Company, LLC 161 6.87% $6,951
PARTNERS 159 6.13% $7,372
Advisors Mortgage Group, L.L.C. 159 6.70% $6,334
ServisFirst Bank 155 6.96% $5,916
SECURITYNATIONAL MORTGAGE COMPANY 152 6.97% $11,501
First Savings Bank 152 6.68% $19,840
ACHIEVA CREDIT UNION 150 5.97% $4,824
BMO Harris Bank 148 6.30% $9,968
Commerce Home Mortgage, Inc. 148 8.33% $14,814
JMAC LENDING, INC. 148 7.16% $11,790
CANOPY MORTGAGE, LLC 148 6.87% $11,572
DRAPER AND KRAMER MORTGAGE CORP. 140 6.79% $6,528
T2 FINANCIAL LLC 139 7.14% $8,792
Sanibel Captiva Community Bank 139 7.84% $12,338
FLORIDA 137 6.75% $4,845
GMFS LLC 134 6.64% $4,827
TOTAL MORTGAGE SERVICES, LLC 134 6.99% $8,785
GSF Mortgage Corporation 134 6.65% $8,391
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 133 6.62% $8,724
FAIRWAY FUNDING GROUP, INC. 131 7.08% $9,177
First National Bank of Pennsylvania 130 6.13% $6,615
Gateway First Bank 130 6.62% $7,033
AMCAP MORTGAGE, LTD. 126 7.06% $13,819
PREFERRED LENDING SERVICES, LLC 126 6.78% $7,006
Keystone Funding, Inc. 124 6.80% $11,700
VELOCIO MORTGAGE L.L.C. 120 6.31% $10,547
First-Citizens Bank & Trust Company 120 5.94% $8,708
Tyndall Federal Credit Union 120 6.54% $6,088
BankPlus 118 6.85% $7,408
INSPIRE HOME LOANS INC. 117 6.43% $5,100
United Community Bank 116 6.64% $8,964
Barrington Bank & Trust Company, N.A. 116 6.93% $6,685
RADIUS FINANCIAL GROUP INC. 115 6.89% $8,273
PARK SQUARE HOME MORTGAGE, LLC 114 6.08% $7,801
POINT Mortgage 114 7.15% $10,605
Florida Capital Bank 114 7.12% $7,573
DIRECT MORTGAGE LOANS, LLC 113 6.76% $8,890
First Heritage Mortgage, LLC 112 6.66% $11,187
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 112 7.14% $8,610
BAYSHORE MORTGAGE FUNDING, LLC 110 6.79% $8,784
KeyBank 110 6.42% $9,271
FIRST COMMUNITY MORTGAGE, INC. 109 7.03% $9,197
PLANET HOME LENDING, LLC 108 6.83% $9,153
Network Funding, L.P. 107 6.82% $7,037
GARDNER FINANCIAL SERVICES, LTD. 105 7.17% $7,806
PHH Mortgage Corporation 105 6.79% $7,725
M&T Bank 105 6.42% $8,061
OPEN MORTGAGE, LLC 105 6.78% $7,367
Nations Lending Corporation 104 6.88% $7,780
Union Savings Bank 104 6.45% $7,203
HSBC BANK USA, NATIONAL ASSOCIATION 103 6.26% $9,209
Bethpage Federal Credit Union 100 6.39% $6,728
The Central Trust Bank 100 6.82% $5,854
HOMESTAR FINANCIAL CORPORATION 98 6.76% $5,976
NETWORK CAPITAL FUNDING CORPORATION 96 7.07% $10,253
FIRST COLONY MORTGAGE CORPORATION 95 6.27% $9,044
Renasant Bank 95 6.60% $8,187
READY MORTGAGE LENDERS, LLC 93 7.86% $16,114
FineMark National Bank & Trust 92 6.48% $8,041
Goldman Sachs Bank USA 91 5.58% $10,815
Carrington Mortgage Services, LLC 91 6.34% $9,814
BNY Mellon 90 5.84% $9,835
TJC Mortgage, Inc. 90 6.95% $10,193
FIRST CENTENNIAL MORTGAGE CORPORATION 90 6.80% $5,791
CONTOUR MORTGAGE CORPORATION 89 6.78% $9,488
Gulf Winds Credit Union 88 5.53% $3,670
Farmers Bank & Trust 87 6.34% $6,506
LEGEND LENDING CORPORATION 87 6.79% $13,455
COMMUNITY CREDIT UNION OF FLORIDA 86 6.79% $4,806
PREMIA MORTGAGE, LLC 86 6.44% $3,055
NATIONS DIRECT MORTGAGE, LLC 84 7.49% $12,082
Brannen Bank 84 6.73% $5,232
FM Home Loans, LLC 84 7.03% $10,432
TIDEWATER MORTGAGE SERVICES, INC. 83 5.38% $5,877
LAKEVIEW LOAN SERVICING, LLC 82 6.49% $10,476
MID AMERICA MORTGAGE, INC. 81 6.94% $24,270
DSLD MORTGAGE, LLC 81 6.11% $2,720
Old National Bank 78 5.94% $8,053
Quontic Bank 77 8.90% $17,265
THRIVE MORTGAGE, LLC 77 6.10% $6,713
HOMESTEAD FUNDING CORP. 76 6.63% $5,548
RUOFF MORTGAGE COMPANY, INC. 76 6.85% $6,078
DIGITAL Federal Credit Union 76 5.77% $5,576
North American Savings Bank, F.S.B. 75 7.53% $9,805
HOMESPIRE MORTGAGE CORPORATION 75 6.98% $7,211
Republic Bank & Trust Company 74 6.35% $6,211
City National Bank 74 5.97% $8,483
NATIONS RELIABLE LENDING, LLC 72 6.83% $11,972
TROPICAL FINANCIAL CREDIT UNION 71 6.53% $6,443
Strong Home Mortgage, LLC 71 6.58% $5,516
FIRST ALLIANCE HOME MORTGAGE, LLC 71 7.10% $11,983
ENVOY MORTGAGE, LTD 70 6.72% $7,860
BAC Florida Bank 70 7.30% $21,840
MORTGAGE FINANCIAL GROUP, INC. 68 6.72% $7,847
RELIANCE FIRST CAPITAL, LLC 68 6.76% $9,462
CREDIT UNION MORTGAGE ASSOCIATION, INC. 68 5.89% $5,752
General Mortgage Capital Corporation 67 6.86% $7,640
FIRST COMMERCE CREDIT UNION 67 6.15% $4,731
EQUITY RESOURCES, INC. 66 7.14% $4,992
Evolve Bank & Trust 66 6.50% $7,014
Kwik Mortgage Corporation 66 6.45% $7,340
AMERICAN FINANCING CORPORATION 66 6.57% $8,851
American Momentum Bank 66 6.70% $7,890
ADVANCIAL 64 8.02% $13,742
LOANPAL, LLC 64 6.57% $8,241
Terrabank 64 6.38% $16,867
DG PINNACLE FUNDING LLC 64 6.61% $11,747
USF Federal Credit Union 64 6.66% $6,836
RESIDENTIAL BANCORP 63 7.04% $9,208
SIRVA MORTGAGE, INC. 63 6.47% $2,477
KELLER MORTGAGE, LLC 62 6.17% $6,494
Premium Mortgage Corporation 62 6.68% $8,509
METROPLEX MORTGAGE SERVICES, INC. 62 7.07% $6,408
First Option Mortgage, LLC 62 7.86% $9,901
BANKING MORTGAGE SERVICES, B.M.S. CORP. 60 7.25% $16,777
WINGS FINANCIAL 59 5.87% $5,159
Goldwater Bank, N.A. 59 6.85% $8,319
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 59 7.44% $13,105
LADERA LENDING, INC. 57 6.75% $7,445
LAND HOME FINANCIAL SERVICES, INC. 57 6.82% $7,881
AMERICAN FEDERAL MORTGAGE CORPORATION 57 6.56% $6,186
TEACHERS 56 6.23% $7,099
DELMAR FINANCIAL COMPANY 55 6.93% $6,643
Baxter Credit Union 55 6.71% $6,066
BAY CAPITAL MORTGAGE CORPORATION 55 5.63% $6,599
BNC National Bank 54 6.15% $6,424
Community Bank of Mississippi 54 6.77% $7,741
Arvest Bank 53 6.58% $7,304
GUIDANCE RESIDENTIAL, LLC 53 7.16% $7,933
COMPASS MORTGAGE, INC. 52 6.84% $7,782
LAUNCH FEDERAL CREDIT UNION 52 6.54% $4,521
East Coast Capital Corp. 52 7.30% $13,280
PANORAMA MORTGAGE GROUP, LLC 52 7.91% $11,476
OAKTREE FUNDING CORP. 52 8.65% $18,604
THE EQUITABLE MORTGAGE CORPORATION 51 6.89% $6,289
Pinnacle Bank 51 6.62% $7,997
Alcova Mortgage LLC 51 6.92% $5,050
FIRST FLORIDA Credit Union 50 6.86% $5,579
UIF CORPORATION 50 7.07% $8,516
Neighborhood Loans, Inc. 49 6.78% $9,456
ADDITION FINANCIAL 48 6.57% $5,125
Atlantic Coast Mortgage, LLC 48 6.85% $9,941
NEW WAVE LENDING GROUP INC 47 7.89% $14,880
BM Real Estate Services, Inc. 47 7.20% $14,529
MORTGAGE INVESTORS GROUP, INC. 46 6.51% $7,343
AmRes Corporation 46 7.17% $10,514
HighTechLending Inc 45 7.17% $12,816
ALLIED MORTGAGE GROUP, INC. 45 6.81% $7,245
Envision Credit Union 45 6.67% $4,830
FIDELITY BANK 44 6.82% $7,701
SUN WEST MORTGAGE COMPANY, INC. 44 7.08% $8,199
ORLANDO CREDIT UNION 43 6.33% $5,060
NORWICH COMMERCIAL