Mortgage lending in Clay County
6,080 mortgages were originated in Clay 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
- 6,080
- Median rate
- 6.490%
- Median lender fees
- $6,588
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
- $255,000
- Above the going rate (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
- Median home price
- $486,000
- That home, 20% down
- $388,800
A median-priced home with 20% down leaves $443,950 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 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, 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