Mortgage lending in Citrus County
5,177 mortgages were originated in Citrus 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
- 5,177
- Median rate
- 6.625%
- Median lender fees
- $6,643
- Median loan amount
- $205,000
- Median spread over APOR
- 0.326
- Paid discount points
- 43.9%
- Received lender credits
- 26.1%
- Purchases / refinances
- 59% / 24.7%
- Conventional / FHA / VA
- 65.2% / 18.9% / 14.8%
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 71.6% 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 Citrus County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 454 | $7,927 | 6.375% |
| Rocket Mortgage, LLC | 384 | $5,856 | 6.625% |
| Suncoast Credit Union | 379 | $3,393 | 7.000% |
| Brannen Bank | 193 | — | — |
| Mortgage Research Center, LLC | 142 | $3,570 | 6.250% |
| Regions Bank | 140 | $3,524 | 6.125% |
| CROSSCOUNTRY MORTGAGE, INC. | 122 | $7,338 | 6.537% |
| EVERETT FINANCIAL, INC. | 114 | $7,705 | 6.933% |
| Truist Bank | 114 | — | 7.050% |
| Fairway Independent Mortgage Corporation | 113 | $7,097 | 6.750% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Citrus County — not a rule of thumb.
From 3,705 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