Mortgage lending in Franklin County
313 mortgages were originated in Franklin 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
- 313
- Median rate
- 6.990%
- Median lender fees
- $6,668
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
- $275,000
- Above the going rate (spread over APOR)
- 0.469
- Paid discount points
- 29.4%
- Received lender credits
- 16.3%
- Purchases / refinances
- 58.1% / 21.4%
- Conventional / FHA / VA
- 85.6% / 9.6% / 4.2%
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 53% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $230,000
- That home, 20% down
- $184,000
A median-priced home with 20% down leaves $648,750 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.