Mortgage lending in Highlands County
2,447 mortgages were originated in Highlands 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
- 2,447
- Median rate
- 6.750%
- Median lender fees
- $6,342
- Median loan amount
- $195,000
- Median spread over APOR
- 0.469
- Paid discount points
- 39.9%
- Received lender credits
- 31.4%
- Purchases / refinances
- 57.3% / 26.9%
- Conventional / FHA / VA
- 64.6% / 21.5% / 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 75.2% 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 Highlands County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MIDFLORIDA | 241 | $220 | 6.490% |
| Rocket Mortgage, LLC | 199 | $5,088 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 198 | $9,359 | 6.500% |
| LEADERONE FINANCIAL CORPORATION | 152 | $7,037 | 6.625% |
| METROPLEX MORTGAGE SERVICES, INC. | 93 | $7,827 | 6.625% |
| Seacoast National Bank | 76 | — | 7.063% |
| Bell Bank | 51 | — | — |
| FREEDOM MORTGAGE CORPORATION | 51 | $6,651 | 6.250% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Highlands County — not a rule of thumb.
From 1,841 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