Mortgage lending in Nassau County
3,005 mortgages were originated in Nassau 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
- 3,005
- Median rate
- 6.575%
- Median lender fees
- $6,807
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
- $315,000
- Above the going rate (spread over APOR)
- 0.170
- Paid discount points
- 42.4%
- Received lender credits
- 27.2%
- Purchases / refinances
- 57% / 27.4%
- Conventional / FHA / VA
- 68% / 12.6% / 19%
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 80.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $580,750
- Median home price
- $486,000
- That home, 20% down
- $388,800
A median-priced home with 20% down leaves $443,950 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 Nassau County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 241 | $8,259 | 6.250% |
| Rocket Mortgage, LLC | 236 | $6,089 | 6.750% |
| Vystar Credit Union | 164 | — | 6.875% |
| Navy Federal Credit Union | 121 | $2,567 | 7.500% |
| Capital City Home Loans, LLC | 104 | $6,366 | 6.625% |
| Community First Credit Union Of Flo | 87 | — | 7.220% |
| Loandepot.Com, LLC | 86 | $7,373 | 6.058% |
| Pulte Mortgage LLC | 86 | $2,256 | 6.125% |
| Pennymac Loan Services, LLC | 69 | $7,891 | 6.375% |
| Regions Bank | 63 | — | 6.250% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Nassau County — not a rule of thumb.
From 2,416 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