Mortgage lending in Manatee County
12,753 mortgages were originated in Manatee 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
- 12,753
- Median rate
- 6.490%
- Median lender fees
- $7,124
- Median loan amount
- $315,000
- Median spread over APOR
- 0.090
- Paid discount points
- 42.2%
- Received lender credits
- 24.4%
- Purchases / refinances
- 66.3% / 18.3%
- Conventional / FHA / VA
- 74% / 18% / 7.9%
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 75.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $547,400
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 Manatee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LENNAR MORTGAGE, LLC | 908 | $5,853 | 4.875% |
| DHI MORTGAGE COMPANY, LTD. | 825 | $9,076 | 4.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 823 | $9,759 | 6.499% |
| Rocket Mortgage, LLC | 606 | $5,292 | 6.633% |
| Suncoast Credit Union | 441 | $3,988 | 7.500% |
| Taylor Morrison Home Funding, Inc. | 343 | $5,226 | 5.750% |
| PENNYMAC LOAN SERVICES, LLC | 323 | $7,103 | 6.624% |
| Bank of America, National Association | 246 | $5,749 | 6.000% |
| Loandepot.Com, LLC | 241 | $7,476 | 5.750% |
| CMG MORTGAGE, INC. | 237 | $9,314 | 6.625% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Manatee County — not a rule of thumb.
From 9,677 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