Mortgage lending in West Palm Beach-Boca Raton-Delray Beach, FL
28,387 mortgages were originated in the West Palm Beach-Boca Raton-Delray Beach, 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
- 28,387
- Median rate
- 6.750%
- Median lender fees
- $8,400
- Median loan amount
- $335,000
- Median spread over APOR
- 0.352
- Paid discount points
- 37.3%
- Received lender credits
- 26.9%
- Purchases / refinances
- 54.4% / 26.4%
- Conventional / FHA / VA
- 84.8% / 11.6% / 3.5%
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 68.6% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the West Palm Beach-Boca Raton-Delray Beach, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,190 | $10,965 | 6.500% |
| Rocket Mortgage, LLC | 1,812 | $6,104 | 6.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 1,678 | $9,218 | 6.875% |
| Bank of America, National Association | 779 | $5,896 | 5.990% |
| JPMorgan Chase Bank, National Association | 719 | $6,854 | 6.375% |
| PENNYMAC LOAN SERVICES, LLC | 608 | $8,284 | 6.625% |
| PNC Bank, National Association | 564 | $5,241 | 7.740% |
| Third Federal Savings and Loan Association of Cleveland | 543 | — | 6.990% |
| TD Bank, National Association | 461 | $4,238 | 7.440% |
| A&D Mortgage LLC | 436 | $12,728 | 6.990% |