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Mortgage Rates in Florida

26 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.456%
17 submissions
15-Yr Fixed Avg
5.375%
1 submission
Total Submissions
26
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in Florida

LenderAvg RateSubmissions
Regions BankRegions Bank6.250%3
Navy Federal Credit UnionNavy Federal Credit Union6.458%3
Mr. CooperMr. Cooper5.688%2
Rocket MortgageRocket Mortgage6.183%2
TruistTruist6.238%2
UWM (United Wholesale Mortgage)UWM (United Wholesale Mortgage)5.625%2
PennymacPennymac6.374%2
Planet Home LendingPlanet Home Lending6.375%2

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20256.512%3
Nov 20256.563%4
Oct 20256.183%2
Sep 20256.375%2
Aug 20255.875%1
Jun 20256.313%2
May 20256.125%1
Apr 20255.708%3
Mar 20256.500%1
Feb 20257.000%2
Jan 20256.220%5

Frequently Asked Questions

What is the average mortgage rate in Florida?
Based on 17 real 30-year fixed submissions, the average rate locked in Florida is 6.456%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for Florida?
26 real rates from Florida, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in Florida?
The average VA 30-year rate locked in Florida is 6.000%, based on 3 submissions.
Which lenders have the most submissions in Florida?
Regions Bank, Navy Federal Credit Union, Mr. Cooper have the most submitted rates in Florida on HomeLoans.fyi.
Browse all Florida submissions →