Mortgage lending in Alachua County
4,530 mortgages were originated in Alachua County, Florida, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,530
- Median rate
- 6.625%
- Median lender fees
- $5,978
- Median loan amount
- $235,000
- Median spread over APOR
- 0.232
- Paid discount points
- 37.5%
- Received lender credits
- 24.5%
- Purchases / refinances
- 61.9% / 21.8%
- Conventional / FHA / VA
- 74.7% / 17% / 7.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 76% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Alachua County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CAMPUS USA CREDIT UNION | 391 | $2,614 | 6.875% |
| Rocket Mortgage, LLC | 256 | $5,722 | 6.625% |
| DHI MORTGAGE COMPANY, LTD. | 238 | $8,632 | 4.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 229 | $8,735 | 6.375% |
| Florida Credit Union | 179 | $4,636 | 6.250% |
| Ameris Bank | 144 | $5,789 | 6.563% |
| Radiant Credit Union | 134 | — | 6.063% |
| LENNAR MORTGAGE, LLC | 132 | $5,720 | 5.000% |
| AMERICAN FINANCIAL NETWORK, INC. | 127 | $8,336 | 6.625% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 124 | $7,156 | 6.625% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Alachua County — not a rule of thumb.
From 3,443 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers