Mortgage lending in Orange County
25,010 mortgages were originated in Orange 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
- 25,010
- Median rate
- 6.625%
- Median lender fees
- $8,088
- Median loan amount
- $305,000
- Median spread over APOR
- 0.273
- Paid discount points
- 41.2%
- Received lender credits
- 23.7%
- Purchases / refinances
- 56.1% / 25.8%
- Conventional / FHA / VA
- 78.7% / 15.1% / 6.2%
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 70.2% 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 Orange County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,027 | $11,088 | 6.375% |
| Rocket Mortgage, LLC | 1,673 | $5,997 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 599 | $10,988 | 6.750% |
| Truist Bank | 570 | $7,273 | 6.370% |
| FAIRWINDS CREDIT UNION | 528 | — | 7.000% |
| PENNYMAC LOAN SERVICES, LLC | 523 | $8,018 | 6.624% |
| Bank of America, National Association | 495 | $5,351 | 6.240% |
| Navy Federal Credit Union | 460 | $3,187 | 7.888% |
| DHI MORTGAGE COMPANY, LTD. | 459 | $9,082 | 4.750% |
| PULTE MORTGAGE LLC | 449 | $2,687 | 5.750% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Orange County — not a rule of thumb.
From 17,549 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