Mortgage lending in Palm Bay-Melbourne-Titusville, FL
17,571 mortgages were originated in the Palm Bay-Melbourne-Titusville, 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
- 17,571
- Median rate
- 6.500%
- Median lender fees
- $6,448
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
- $265,000
- Above the going rate (spread over APOR)
- 0.185
- Paid discount points
- 41.9%
- Received lender credits
- 24.6%
- Purchases / refinances
- 57.3% / 26.4%
- Conventional / FHA / VA
- 67.4% / 16.5% / 16%
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 75.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Palm Bay-Melbourne-Titusville, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,800 | $8,641 | 6.250% |
| Space Coast Credit Union | 1,793 | — | 5.375% |
| Rocket Mortgage, LLC | 1,200 | $5,514 | 6.683% |
| COMMUNITY CREDIT UNION of FLORIDA | 651 | $4,205 | 7.250% |
| Crosscountry Mortgage, Inc. | 561 | $7,446 | 6.575% |
| The Mortgage Firm, Inc. | 549 | $7,040 | 6.750% |
| Launch Credit Union | 375 | — | 6.750% |
| Navy Federal Credit Union | 356 | $3,315 | 7.250% |
| Pennymac Loan Services, LLC | 323 | $6,076 | 6.499% |
| DHI Mortgage Company, Ltd. | 291 | $8,897 | 4.750% |