Mortgage lending in Sumter County
5,761 mortgages were originated in Sumter 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
- 5,761
- Median rate
- 6.740%
- Median lender fees
- $4,696
- Median loan amount
- $255,000
- Median spread over APOR
- 0.245
- Paid discount points
- 33.1%
- Received lender credits
- 18.9%
- Purchases / refinances
- 74.6% / 13.7%
- Conventional / FHA / VA
- 84.4% / 7.5% / 7.7%
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 82.6% 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 Sumter County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Citizens First Bank | 1,983 | $4,064 | 6.875% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 342 | $6,063 | 6.500% |
| Rocket Mortgage, LLC | 331 | $5,442 | 6.875% |
| UNION HOME MORTGAGE CORP. | 161 | $5,580 | 6.750% |
| DHI MORTGAGE COMPANY, LTD. | 132 | $6,925 | 4.750% |
| JPMorgan Chase Bank, National Association | 83 | $4,070 | 6.625% |
| Navy Federal Credit Union | 81 | $3,863 | 6.250% |
| Truist Bank | 80 | — | 6.600% |
| MIDFLORIDA | 73 | — | 5.490% |
| Bank of America, National Association | 72 | — | 6.240% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Sumter County — not a rule of thumb.
From 4,756 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