Mortgage lending in Hillsborough County
30,453 mortgages were originated in Hillsborough 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
- 30,453
- Median rate
- 6.625%
- Median lender fees
- $7,691
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
- $295,000
- Above the going rate (spread over APOR)
- 0.240
- Paid discount points
- 40.1%
- Received lender credits
- 24.9%
- Purchases / refinances
- 56.9% / 24.2%
- Conventional / FHA / VA
- 71.6% / 17.8% / 10.5%
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 71.9% 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 Hillsborough County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 3,296 | $9,786 | 6.423% |
| Suncoast Credit Union | 1,862 | $3,970 | 7.500% |
| Rocket Mortgage, LLC | 1,848 | $5,948 | 6.625% |
| Click n' Close, Inc. | 852 | $6,502 | 7.250% |
| Lennar Mortgage, LLC | 771 | $8,533 | 4.625% |
| Pennymac Loan Services, LLC | 654 | $7,963 | 6.500% |
| DHI Mortgage Company, Ltd. | 577 | $8,815 | 4.750% |
| Navy Federal Credit Union | 570 | $3,146 | 7.750% |
| Crosscountry Mortgage, Inc. | 567 | $9,781 | 6.750% |
| Regions Bank | 515 | $7,619 | 4.990% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Hillsborough County — not a rule of thumb.
From 21,903 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