Mortgage lending in Punta Gorda, FL
7,431 mortgages were originated in the Punta Gorda, 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
- 7,431
- Median rate
- 6.625%
- Median lender fees
- $6,472
- Median loan amount
- $255,000
- Median spread over APOR
- 0.232
- Paid discount points
- 42.8%
- Received lender credits
- 24.7%
- Purchases / refinances
- 67.1% / 19.1%
- Conventional / FHA / VA
- 73.8% / 17.1% / 9%
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% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Punta Gorda, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 649 | $9,143 | 6.375% |
| LENNAR MORTGAGE, LLC | 616 | $5,229 | 5.990% |
| Rocket Mortgage, LLC | 482 | $5,635 | 6.750% |
| Suncoast Credit Union | 385 | $3,489 | 7.250% |
| DHI MORTGAGE COMPANY, LTD. | 224 | $3,470 | 5.500% |
| Loandepot.Com, LLC | 157 | $6,413 | 6.625% |
| THE LOAN STORE, INC. | 124 | $7,904 | 6.875% |
| PENNYMAC LOAN SERVICES, LLC | 122 | $7,100 | 6.624% |
| LAKE MICHIGAN CREDIT UNION | 115 | $6,924 | 6.375% |
| Regions Bank | 115 | — | 4.990% |