Mortgage lending in St. Lucie County
10,303 mortgages were originated in St. Lucie 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
- 10,303
- Median rate
- 6.575%
- Median lender fees
- $8,434
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
- $295,000
- Above the going rate (spread over APOR)
- 0.322
- Paid discount points
- 48.5%
- Received lender credits
- 27.2%
- Purchases / refinances
- 61.6% / 23.8%
- Conventional / FHA / VA
- 63.7% / 27.3% / 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% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $603,750
- Median home price
- $525,000
- That home, 20% down
- $420,000
A median-priced home with 20% down leaves $412,750 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 St. Lucie County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,309 | $10,917 | 6.389% |
| Rocket Mortgage, LLC | 791 | $6,387 | 6.625% |
| Crosscountry Mortgage, Inc. | 469 | $9,532 | 6.750% |
| Lennar Mortgage, LLC | 365 | $7,443 | 4.875% |
| Loandepot.Com, LLC | 294 | $10,215 | 5.875% |
| Pennymac Loan Services, LLC | 231 | $7,768 | 6.375% |
| Midflorida | 215 | $156 | 6.490% |
| PNC Bank, National Association | 186 | — | 7.500% |
| DHI Mortgage Company, Ltd. | 164 | $9,321 | 4.750% |
| Bank of America, National Association | 152 | — | 6.240% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in St. Lucie County — not a rule of thumb.
From 8,036 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