Mortgage lending in Seminole County
9,529 mortgages were originated in Seminole 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
- 9,529
- Median rate
- 6.625%
- Median lender fees
- $6,996
- Median loan amount
- $285,000
- Median spread over APOR
- 0.307
- Paid discount points
- 41%
- Received lender credits
- 24.2%
- Purchases / refinances
- 53% / 26.8%
- Conventional / FHA / VA
- 79.1% / 14% / 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 72.8% 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 Seminole County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,075 | $9,628 | 6.495% |
| Rocket Mortgage, LLC | 710 | $5,480 | 6.750% |
| FAIRWINDS CREDIT UNION | 457 | — | 6.875% |
| Truist Bank | 237 | $6,533 | 6.865% |
| CROSSCOUNTRY MORTGAGE, INC. | 235 | $8,933 | 6.625% |
| PENNYMAC LOAN SERVICES, LLC | 228 | $7,875 | 6.499% |
| Bank of America, National Association | 219 | — | 6.240% |
| Navy Federal Credit Union | 206 | $2,836 | 7.750% |
| Fifth Third Bank, National Association | 136 | — | 7.900% |
| Regions Bank | 133 | $4,593 | 5.875% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Seminole County — not a rule of thumb.
From 6,936 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