Mortgage lending in Jacksonville, FL
42,242 mortgages were originated in the Jacksonville, FL area in 2025, and here is what they cost.
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
- 42,242
- Median rate
- 6.500%
- Median lender fees
- $6,591
- Median loan amount
- $265,000
- Median spread over APOR
- 0.132
- Paid discount points
- 42.5%
- Received lender credits
- 26%
- Purchases / refinances
- 60.4% / 25.6%
- Conventional / FHA / VA
- 65.7% / 16.7% / 17.4%
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 78.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Jacksonville, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 4,425 | $8,436 | 6.250% |
| Rocket Mortgage, LLC | 2,686 | $5,645 | 6.625% |
| VYSTAR CREDIT UNION | 2,363 | — | 6.875% |
| Navy Federal Credit Union | 1,631 | $2,747 | 7.650% |
| LENNAR MORTGAGE, LLC | 1,215 | $7,532 | 4.500% |
| COMMUNITY FIRST CREDIT UNION OF FLO | 1,067 | — | 6.875% |
| DHI MORTGAGE COMPANY, LTD. | 974 | $7,262 | 4.125% |
| JET HOMELOANS, LP | 844 | $8,846 | 4.990% |
| PENNYMAC LOAN SERVICES, LLC | 794 | $7,737 | 6.490% |
| Ameris Bank | 792 | $6,722 | 6.490% |