Mortgage lending in Panama City-Panama City Beach, FL
6,485 mortgages were originated in the Panama City-Panama City Beach, 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
- 6,485
- Median rate
- 6.500%
- Median lender fees
- $6,907
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)
- 0.160
- Paid discount points
- 40.2%
- Received lender credits
- 29%
- Purchases / refinances
- 66.7% / 20.1%
- Conventional / FHA / VA
- 62.7% / 16.1% / 20.5%
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 75.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Panama City-Panama City Beach, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 563 | $8,291 | 4.990% |
| United Shore Financial Services, LLC | 452 | $8,153 | 6.125% |
| Rocket Mortgage, LLC | 427 | $6,364 | 6.625% |
| Tyndall Federal Credit Union | 346 | $271 | 6.625% |
| Trustmark National Bank | 239 | $6,193 | 6.700% |
| Regions Bank | 189 | $5,293 | 5.875% |
| Crosscountry Mortgage, Inc. | 178 | $8,803 | 6.625% |
| Mortgage Research Center, LLC | 150 | $7,125 | 6.250% |
| Navy Federal Credit Union | 140 | $4,639 | 6.688% |
| Fbc Mortgage, LLC | 139 | $6,120 | 6.375% |