Mortgage lending in Pasco County
18,899 mortgages were originated in Pasco 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
- 18,899
- Median rate
- 6.490%
- Median lender fees
- $7,140
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
- $265,000
- Above the going rate (spread over APOR)
- 0.146
- Paid discount points
- 45.5%
- Received lender credits
- 24.5%
- Purchases / refinances
- 63.9% / 20.7%
- Conventional / FHA / VA
- 65.2% / 23.7% / 10.9%
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 78.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $400,000
- That home, 20% down
- $320,000
A median-priced home with 20% down leaves $512,750 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 Pasco County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,898 | $9,300 | 6.250% |
| Lennar Mortgage, LLC | 1,298 | $5,937 | 4.625% |
| Rocket Mortgage, LLC | 1,152 | $5,788 | 6.625% |
| DHI Mortgage Company, Ltd. | 1,045 | $8,695 | 4.990% |
| Suncoast Credit Union | 854 | $3,837 | 7.250% |
| Pennymac Loan Services, LLC | 401 | $7,068 | 6.499% |
| Crosscountry Mortgage, Inc. | 336 | $9,360 | 6.625% |
| M/I Financial, LLC | 310 | $18,367 | 5.375% |
| Pulte Mortgage LLC | 276 | $2,482 | 5.500% |
| Taylor Morrison Home Funding, Inc. | 253 | $5,248 | 5.625% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Pasco County — not a rule of thumb.
From 14,920 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