Mortgage lending in Leon County
4,707 mortgages were originated in Leon 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
- 4,707
- Median rate
- 6.740%
- Median lender fees
- $6,083
- Median loan amount
- $205,000
- Median spread over APOR
- 0.289
- Paid discount points
- 37.2%
- Received lender credits
- 20.9%
- Purchases / refinances
- 59.4% / 24.5%
- Conventional / FHA / VA
- 75% / 16.8% / 7.8%
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 70.3% 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 Leon County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 389 | $5,252 | 6.750% |
| MOVEMENT MORTGAGE, LLC | 324 | $7,292 | 6.625% |
| FIRST COMMERCE CREDIT UNION | 269 | $4,639 | 7.240% |
| University Bank | 226 | $7,074 | 6.500% |
| ServisFirst Bank | 207 | $4,778 | 6.375% |
| Loandepot.Com, LLC | 203 | $6,375 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 182 | $8,680 | 6.476% |
| Capital City Home Loans, LLC | 120 | $5,512 | 6.750% |
| Truist Bank | 118 | $5,984 | 6.537% |
| Ameris Bank | 110 | $5,629 | 6.490% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Leon County — not a rule of thumb.
From 3,310 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