Mortgage lending in Clay County
6,080 mortgages were originated in Clay 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
- 6,080
- Median rate
- 6.490%
- Median lender fees
- $6,588
- Median loan amount
- $255,000
- Median spread over APOR
- 0.125
- Paid discount points
- 46.6%
- Received lender credits
- 27.9%
- Purchases / refinances
- 57.8% / 27.9%
- Conventional / FHA / VA
- 52.2% / 21.3% / 25.6%
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 84.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $580,750
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 Clay County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 667 | $8,604 | 6.125% |
| VYSTAR CREDIT UNION | 412 | — | 6.875% |
| Rocket Mortgage, LLC | 405 | $6,040 | 6.500% |
| Navy Federal Credit Union | 326 | $2,039 | 7.750% |
| LENNAR MORTGAGE, LLC | 254 | $7,603 | 4.500% |
| JET HOMELOANS, LP | 218 | $9,146 | 4.990% |
| DHI MORTGAGE COMPANY, LTD. | 171 | $7,384 | 3.990% |
| GUILD MORTGAGE COMPANY | 135 | $8,645 | 6.625% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 131 | — | 6.820% |
| Loandepot.Com, LLC | 130 | $8,042 | 6.250% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Clay County — not a rule of thumb.
From 5,129 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