Mortgage lending in Brevard County
17,570 mortgages were originated in Brevard County, Florida, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 17,570
- Median rate
- 6.500%
- Median lender fees
- $6,448
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $265,000
- Above the going rate (spread over APOR)
- 0.185
- Paid discount points
- 41.9%
- Received lender credits
- 24.6%
- Purchases / refinances
- 57.3% / 26.4%
- Conventional / FHA / VA
- 67.4% / 16.5% / 16%
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 75.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $349,000
- That home, 20% down
- $279,200
A median-priced home with 20% down leaves $553,550 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Brevard County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,800 | $8,641 | 6.250% |
| Space Coast Credit Union | 1,793 | — | 5.375% |
| Rocket Mortgage, LLC | 1,200 | $5,514 | 6.683% |
| COMMUNITY CREDIT UNION of FLORIDA | 651 | $4,205 | 7.250% |
| Crosscountry Mortgage, Inc. | 561 | $7,446 | 6.575% |
| The Mortgage Firm, Inc. | 549 | $7,040 | 6.750% |
| Launch Credit Union | 375 | — | 6.750% |
| Navy Federal Credit Union | 356 | $3,315 | 7.250% |
| Pennymac Loan Services, LLC | 323 | $6,076 | 6.499% |
| DHI Mortgage Company, Ltd. | 291 | $8,897 | 4.750% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Brevard County — not a rule of thumb.
From 13,325 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers