Mortgage lending in Indian River County
4,153 mortgages were originated in Indian River 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
- 4,153
- Median rate
- 6.625%
- Median lender fees
- $6,428
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)
- 0.302
- 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
- Median home price
- $384,000
- That home, 20% down
- $307,200
A median-priced home with 20% down leaves $525,550 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 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, 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