Mortgage lending in Pinellas County
19,901 mortgages were originated in Pinellas 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
- 19,901
- Median rate
- 6.750%
- Median lender fees
- $6,808
- Median loan amount
- $275,000
- Median spread over APOR
- 0.292
- Paid discount points
- 35.3%
- Received lender credits
- 24%
- Purchases / refinances
- 52.5% / 26.2%
- Conventional / FHA / VA
- 83.4% / 9.8% / 6.8%
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 65.8% 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 Pinellas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,864 | $9,171 | 6.495% |
| Rocket Mortgage, LLC | 1,381 | $5,660 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 607 | $8,211 | 6.750% |
| ACHIEVA CREDIT UNION | 595 | $3,593 | 7.250% |
| Regions Bank | 556 | $3,294 | 4.990% |
| Bank of America, National Association | 478 | $4,818 | 6.240% |
| Truist Bank | 401 | $7,865 | 6.475% |
| PENNYMAC LOAN SERVICES, LLC | 399 | $6,791 | 6.624% |
| Third Federal Savings and Loan Association of Cleveland | 391 | — | 6.990% |
| Suncoast Credit Union | 390 | $3,837 | 7.000% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Pinellas County — not a rule of thumb.
From 13,104 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