Mortgage lending in Flagler County
4,583 mortgages were originated in Flagler 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
- 4,583
- Median rate
- 6.490%
- Median lender fees
- $7,002
- Median loan amount
- $275,000
- Median spread over APOR
- 0.150
- Paid discount points
- 49.2%
- Received lender credits
- 24.9%
- Purchases / refinances
- 61.9% / 22.8%
- Conventional / FHA / VA
- 67.1% / 19% / 13.7%
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 78.4% 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 Flagler County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 586 | $9,007 | 6.249% |
| Rocket Mortgage, LLC | 332 | $5,436 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 270 | $7,548 | 4.625% |
| VYSTAR CREDIT UNION | 139 | — | 6.750% |
| SPACE COAST CREDIT UNION | 130 | — | 5.563% |
| Loandepot.Com, LLC | 120 | $9,215 | 4.990% |
| Truist Bank | 106 | — | 6.940% |
| CMG MORTGAGE, INC. | 104 | $11,901 | 6.250% |
| PENNYMAC LOAN SERVICES, LLC | 97 | $6,385 | 6.875% |
| Bank of America, National Association | 91 | — | 6.490% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Flagler County — not a rule of thumb.
From 3,592 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