Mortgage lending in Indian River County
4,153 mortgages were originated in Indian River 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
- 4,153
- Median rate
- 6.625%
- Median lender fees
- $6,428
- Median loan amount
- $255,000
- Median spread over APOR
- 0.302
- Paid discount points
- 43.9%
- Received lender credits
- 24.5%
- Purchases / refinances
- 57.2% / 24.9%
- Conventional / FHA / VA
- 75.6% / 15.6% / 8.7%
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 74.6% 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 Indian River County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 328 | $8,749 | 6.442% |
| Rocket Mortgage, LLC | 311 | $5,267 | 6.750% |
| SPACE COAST CREDIT UNION | 209 | — | 5.938% |
| GUILD MORTGAGE COMPANY | 118 | $7,438 | 6.625% |
| MIDFLORIDA | 110 | $220 | 6.313% |
| Loandepot.Com, LLC | 103 | $8,821 | 6.125% |
| SouthState Bank, National Association | 98 | $6,428 | 6.800% |
| PNC Bank, National Association | 95 | — | 7.450% |
| CROSSCOUNTRY MORTGAGE, INC. | 90 | $8,619 | 6.750% |
| UNION HOME MORTGAGE CORP. | 82 | $6,613 | 6.625% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Indian River County — not a rule of thumb.
From 3,100 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