Florida Mortgage Rates & Closing Costs

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    • 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