Mortgage lending in Polk County
20,118 mortgages were originated in Polk 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
- 20,118
- Median rate
- 6.375%
- Median lender fees
- $8,439
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)
- 0.183
- Paid discount points
- 47.8%
- Received lender credits
- 27.2%
- Purchases / refinances
- 68.3% / 20.1%
- Conventional / FHA / VA
- 54.9% / 34.5% / 10.2%
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 79.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $304,000
- That home, 20% down
- $243,200
A median-priced home with 20% down leaves $589,550 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 Polk County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,980 | $10,136 | 6.250% |
| Rocket Mortgage, LLC | 1,181 | $6,159 | 6.625% |
| Midflorida | 1,160 | $220 | 6.490% |
| DHI Mortgage Company, Ltd. | 919 | $8,694 | 4.990% |
| Lennar Mortgage, LLC | 857 | $9,279 | 4.625% |
| Loandepot.Com, LLC | 665 | $9,899 | 5.490% |
| Crosscountry Mortgage, Inc. | 430 | $10,514 | 6.575% |
| Pennymac Loan Services, LLC | 340 | $7,226 | 6.375% |
| SouthState Bank, National Association | 323 | $5,282 | 7.150% |
| Freedom Mortgage Corporation | 305 | $9,346 | 6.250% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Polk County — not a rule of thumb.
From 15,949 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