Mortgage lending in Gainesville, FL
5,948 mortgages were originated in the Gainesville, FL area in 2025, and here is what they cost.
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
- 5,948
- Median rate
- 6.625%
- Median lender fees
- $6,291
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
- $225,000
- Above the going rate (spread over APOR)
- 0.297
- Paid discount points
- 38.9%
- Received lender credits
- 26.8%
- Purchases / refinances
- 61.5% / 22.3%
- Conventional / FHA / VA
- 71.1% / 18.7% / 9.5%
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 76.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Gainesville, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Campus USA Credit Union | 434 | $2,549 | 6.875% |
| United Shore Financial Services, LLC | 375 | $8,676 | 6.249% |
| Rocket Mortgage, LLC | 356 | $5,739 | 6.625% |
| DHI Mortgage Company, Ltd. | 238 | $8,632 | 4.990% |
| Florida Credit Union | 209 | $4,941 | 6.250% |
| Ameris Bank | 165 | $5,949 | 6.625% |
| Affordable Mortgage Advisors, LLC. | 165 | $7,164 | 6.625% |
| Radiant Credit Union | 158 | — | 6.438% |
| Lennar Mortgage, LLC | 147 | $5,718 | 5.000% |
| 21st Mortgage Corporation | 142 | $6,708 | 9.755% |