Mortgage lending in Martin County
3,760 mortgages were originated in Martin 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
- 3,760
- Median rate
- 6.749%
- Median lender fees
- $6,975
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
- $305,000
- Above the going rate (spread over APOR)
- 0.292
- Paid discount points
- 38.5%
- Received lender credits
- 25.1%
- Purchases / refinances
- 56.1% / 23.4%
- Conventional / FHA / VA
- 83.9% / 10.2% / 5.9%
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 71.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $603,750
- Median home price
- $525,000
- That home, 20% down
- $420,000
A median-priced home with 20% down leaves $412,750 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 Martin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 348 | $8,425 | 6.546% |
| Rocket Mortgage, LLC | 223 | $4,980 | 6.750% |
| Crosscountry Mortgage, Inc. | 195 | $8,028 | 6.875% |
| Seacoast National Bank | 144 | — | 7.250% |
| Pennymac Loan Services, LLC | 112 | $7,461 | 6.587% |
| Pulte Mortgage LLC | 107 | $3,228 | 5.500% |
| Mattamy Home Funding, LLC | 95 | $4,905 | 5.750% |
| Bank of America, National Association | 85 | — | 5.990% |
| Loandepot.Com, LLC | 77 | $10,176 | 5.250% |
| DHI Mortgage Company, Ltd. | 71 | $4,972 | 4.990% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Martin County — not a rule of thumb.
From 2,682 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