Mortgage lending in Sebring, FL
2,447 mortgages were originated in the Sebring, 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
- 2,447
- Median rate
- 6.750%
- Median lender fees
- $6,342
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
- $195,000
- Above the going rate (spread over APOR)
- 0.469
- Paid discount points
- 39.9%
- Received lender credits
- 31.4%
- Purchases / refinances
- 57.3% / 26.9%
- Conventional / FHA / VA
- 64.6% / 21.5% / 11.9%
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 75.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Sebring, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Midflorida | 241 | $220 | 6.490% |
| Rocket Mortgage, LLC | 199 | $5,088 | 6.625% |
| United Shore Financial Services, LLC | 198 | $9,359 | 6.500% |
| Leaderone Financial Corporation | 152 | $7,037 | 6.625% |
| Metroplex Mortgage Services, Inc. | 93 | $7,827 | 6.625% |
| Seacoast National Bank | 76 | — | 7.063% |
| Bell Bank | 51 | — | — |
| Freedom Mortgage Corporation | 51 | $6,651 | 6.250% |