Mortgage lending in Hernando County
6,982 mortgages were originated in Hernando 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
- 6,982
- Median rate
- 6.624%
- Median lender fees
- $7,727
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)
- 0.300
- Paid discount points
- 49.2%
- Received lender credits
- 27.1%
- Purchases / refinances
- 60.3% / 23.9%
- Conventional / FHA / VA
- 59.4% / 28.4% / 11.9%
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 78.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $400,000
- That home, 20% down
- $320,000
A median-priced home with 20% down leaves $512,750 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.
Who lent here
Lenders with at least 50 loans in Hernando County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 870 | $9,536 | 6.250% |
| Rocket Mortgage, LLC | 499 | $6,311 | 6.625% |
| Suncoast Credit Union | 499 | $3,507 | 7.500% |
| Everett Financial, Inc. | 202 | $8,075 | 6.875% |
| DHI Mortgage Company, Ltd. | 184 | $8,999 | 4.875% |
| Loandepot.Com, LLC | 174 | $9,864 | 5.490% |
| Click n' Close, Inc. | 157 | $5,592 | 7.250% |
| Newrez LLC | 120 | $6,445 | 6.625% |
| Pennymac Loan Services, LLC | 119 | $7,953 | 6.375% |
| Regions Bank | 119 | — | 6.000% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Hernando County — not a rule of thumb.
From 5,462 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