Mortgage lending in Sarasota County
12,534 mortgages were originated in Sarasota 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
- 12,534
- Median rate
- 6.625%
- Median lender fees
- $6,557
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
- $285,000
- Above the going rate (spread over APOR)
- 0.239
- Paid discount points
- 38%
- Received lender credits
- 25.4%
- Purchases / refinances
- 61.3% / 21.2%
- Conventional / FHA / VA
- 82.6% / 11.4% / 6%
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 71% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $547,400
- Median home price
- $433,000
- That home, 20% down
- $346,400
A median-priced home with 20% down leaves $486,350 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 Sarasota County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 976 | $9,395 | 6.499% |
| Rocket Mortgage, LLC | 715 | $5,600 | 6.800% |
| Suncoast Credit Union | 374 | $3,822 | 7.250% |
| Taylor Morrison Home Funding, Inc. | 311 | $5,047 | 5.625% |
| Loandepot.Com, LLC | 287 | $6,734 | 6.125% |
| Pennymac Loan Services, LLC | 274 | $7,808 | 6.500% |
| Bank of America, National Association | 265 | $5,788 | 6.240% |
| Pulte Mortgage LLC | 265 | $1,731 | 5.500% |
| Achieva Credit Union | 224 | $4,186 | 7.250% |
| Lennar Mortgage, LLC | 215 | $4,980 | 6.625% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Sarasota County — not a rule of thumb.
From 8,896 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