Mortgage lending in Osceola County
11,546 mortgages were originated in Osceola 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
- 11,546
- Median rate
- 6.500%
- Median lender fees
- $9,384
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
- $325,000
- Above the going rate (spread over APOR)
- 0.180
- Paid discount points
- 47.2%
- Received lender credits
- 23.2%
- Purchases / refinances
- 70.2% / 19.5%
- Conventional / FHA / VA
- 63% / 28.5% / 8.5%
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 74% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $453,000
- That home, 20% down
- $362,400
A median-priced home with 20% down leaves $470,350 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 Osceola County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,235 | $11,622 | 6.375% |
| DHI Mortgage Company, Ltd. | 665 | $9,668 | 4.750% |
| Rocket Mortgage, LLC | 575 | $6,244 | 6.750% |
| Lennar Mortgage, LLC | 369 | $10,262 | 4.750% |
| Pulte Mortgage LLC | 333 | $2,590 | 5.000% |
| Crosscountry Mortgage, Inc. | 298 | $10,592 | 6.750% |
| A&D Mortgage LLC | 227 | — | 6.990% |
| Loandepot.Com, LLC | 227 | $9,873 | 5.625% |
| Pennymac Loan Services, LLC | 176 | $9,055 | 6.499% |
| JPMorgan Chase Bank, National Association | 173 | $5,114 | 6.375% |
What lenders charged here
Lender fees on a $325,000 loan, based on what was actually charged in Osceola County — not a rule of thumb.
From 8,542 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