Mortgage lending in Columbia County
1,139 mortgages were originated in Columbia 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
- 1,139
- Median rate
- 6.625%
- Median lender fees
- $7,003
- Median loan amount
- $195,000
- Median spread over APOR
- 0.496
- Paid discount points
- 41.3%
- Received lender credits
- 29.7%
- Purchases / refinances
- 56.7% / 27.6%
- Conventional / FHA / VA
- 60.3% / 23.4% / 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 78.7% 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 Columbia County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 111 | $8,905 | 6.429% |
| Rocket Mortgage, LLC | 101 | $5,973 | 6.500% |
| CAMPUS USA CREDIT UNION | 58 | $3,255 | 6.750% |
| Florida Credit Union | 56 | — | 6.500% |
| First Federal Bank | 52 | $7,068 | 6.433% |
| 21st Mortgage Corporation | 52 | — | 9.450% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Columbia County — not a rule of thumb.
From 896 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