Mortgage lending in Bay County
6,005 mortgages were originated in Bay 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
- 6,005
- Median rate
- 6.500%
- Median lender fees
- $6,903
- Median loan amount
- $275,000
- Median spread over APOR
- 0.149
- Paid discount points
- 39.5%
- Received lender credits
- 28%
- Purchases / refinances
- 67% / 19.8%
- Conventional / FHA / VA
- 63.6% / 15.1% / 20.9%
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 75.4% 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 Bay County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 532 | $8,494 | 4.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 416 | $8,170 | 6.125% |
| Rocket Mortgage, LLC | 393 | $6,317 | 6.625% |
| Tyndall Federal Credit Union | 322 | $268 | 6.625% |
| Trustmark National Bank | 233 | $6,163 | 6.625% |
| Regions Bank | 169 | $5,395 | 5.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 166 | $8,718 | 6.625% |
| FBC MORTGAGE, LLC | 139 | $6,120 | 6.375% |
| Mortgage Research Center, LLC | 138 | $7,186 | 6.250% |
| Navy Federal Credit Union | 135 | $4,005 | 6.625% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Bay County — not a rule of thumb.
From 4,529 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