What people paid for mortgages in Clay County, FL (2025)
Across 3,147 closed home-purchase loans in 2025, the median interest rate in Clay was 6.125%, and the middle half of borrowers got between 5.375% and 6.625%. Median total loan costs ran $8,305 on a median loan of $315,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.125%
- Middle half of rates
- 5.375%–6.625%
- Median total loan costs
- $8,305
- Median loan amount
- $315,000
3,147 loans, 2025.
Refinance
- Median rate
- 6.124%
- Middle half of rates
- 5.749%–6.625%
- Median total loan costs
- $7,166
- Median loan amount
- $305,000
1,165 loans, 2025.
Lowest median rates in Clay (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.DHI MORTGAGE COMPANY, LTD.3.99%165 loans, median costs $7,408
- 2.LENNAR MORTGAGE, LLC4.5%224 loans, median costs $8,393
- 3.JET HOMELOANS, LP4.99%211 loans, median costs $9,201
- 4.PULTE MORTGAGE LLC5.125%87 loans, median costs $4,395
- 5.MATTAMY HOME FUNDING, LLC5.125%56 loans, median costs $7,771
Among lenders with at least 30 closed purchase loans in Clay County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.749%229 loans, median costs $7,817
- 2.PENNYMAC LOAN SERVICES, LLC5.812%48 loans, median costs $8,580
- 3.Rocket Mortgage, LLC6.125%175 loans, median costs $8,158
- 4.FREEDOM MORTGAGE CORPORATION6.125%91 loans, median costs $6,824
- 5.VYSTAR CREDIT UNION6.5%45 loans, median costs $3,873
Among lenders with at least 30 closed refinance loans in Clay County in 2025.
Lender by lender in Clay
Every lender that closed at least 5 qualifying loans in Clay County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 398 | 6.375% | $9,096 | $2,439 | $2,254 |
| 2 | LENNAR MORTGAGE, LLC | 224 | 4.5% | $8,393 | $1,795 | $4,271 |
| 3 | JET HOMELOANS, LP | 211 | 4.99% | $9,201 | $1,325 | $4,502 |
| 4 | DHI MORTGAGE COMPANY, LTD. | 165 | 3.99% | $7,408 | $0 | $2,523 |
| 5 | Navy Federal Credit Union | 110 | 6.125% | $4,783 | $0 | $2,063 |
| 6 | Mortgage Research Center, LLC | 103 | 6.25% | $3,875 | $0 | $1,440 |
| 7 | Rocket Mortgage, LLC | 101 | 6.25% | $7,743 | $3,999 | $3,483 |
| 8 | PULTE MORTGAGE LLC | 87 | 5.125% | $4,395 | $0 | $8,384 |
| 9 | GUILD MORTGAGE COMPANY | 87 | 6.5% | $11,492 | $4,235 | $3,150 |
| 10 | Loandepot.Com, LLC | 69 | 5.5% | $10,968 | $1,600 | $7,964 |
| 11 | MATTAMY HOME FUNDING, LLC | 56 | 5.125% | $7,771 | $101 | $7,594 |
| 12 | VYSTAR CREDIT UNION | 55 | 6.25% | $4,256 | $845 | $637 |
| 13 | CMG MORTGAGE, INC. | 50 | 6.625% | $9,838 | $2,613 | $2,196 |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 50 | 6.575% | $10,299 | $3,422 | $3,356 |
| 15 | LOANPEOPLE, LLC | 50 | 6.49% | $9,193 | $1,790 | $3,121 |
| 16 | NETWORK FUNDING, L.P. | 47 | 6.5% | $5,729 | $1,400 | $1,049 |
| 17 | MOVEMENT MORTGAGE, LLC | 46 | 6.125% | $9,749 | $3,487 | $3,294 |
| 18 | First Federal Bank | 44 | 6.25% | $6,585 | $1,460 | $1,109 |
| 19 | PENNYMAC LOAN SERVICES, LLC | 39 | 6.375% | $9,065 | $2,185 | $1,301 |
| 20 | FREEDOM MORTGAGE CORPORATION | 36 | 6.25% | $10,523 | $3,261 | $3,016 |
| 21 | EMM LOANS LLC | 33 | 6.5% | $9,745 | $3,197 | $2,261 |
| 22 | Ameris Bank | 33 | 6.49% | $9,356 | $3,291 | $1,939 |
| 23 | GUARANTEED RATE, INC. | 32 | 6.5% | $9,411 | $1,742 | $1,883 |
| 24 | Fairway Independent Mortgage Corporation | 30 | 6.625% | $10,618 | $4,822 | $3,966 |
| 25 | KIND LENDING, LLC | 29 | 6.625% | $11,568 | $3,957 | $1,105 |
| 26 | ZILLOW HOME LOANS, LLC | 28 | 6.5% | $6,359 | $2,729 | $1,765 |
| 27 | PLAZA HOME MORTGAGE, INC.broker only | 28 | 6.433% | $11,223 | $4,263 | $2,600 |
| 28 | KBHS HOME LOANS, LLC | 27 | 5.99% | $9,389 | $1,380 | $8,987 |
| 29 | FBC MORTGAGE, LLC | 27 | 4.99% | $8,266 | $1,395 | $4,470 |
| 30 | 21st Mortgage Corporation | 24 | 9.015% | $6,702 | $4,500 | n/a |
| 31 | Broker Solutions, Inc. | 23 | 6.5% | $12,212 | $4,176 | $3,102 |
| 32 | NEWREZ LLC | 23 | 6.25% | $8,653 | $2,335 | $2,183 |
| 33 | Paramount Residential Mortgage Group, Inc. | 22 | 6.312% | $10,762 | $4,555 | $4,885 |
| 34 | PLANET HOME LENDING, LLC | 22 | 6.25% | $9,894 | $2,882 | $1,818 |
| 35 | Gateway First Bank | 22 | 6.5% | $9,051 | $2,595 | $2,315 |
| 36 | HOMEAMERICAN MORTGAGE CORPORATION | 21 | 4.5% | $6,918 | $0 | $4,707 |
| 37 | Prosperity Home Mortgage, LLC | 21 | 6.25% | $4,340 | $1,395 | $2,279 |
| 38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 21 | 6.25% | $6,467 | $1,858 | $1,887 |
| 39 | EVERETT FINANCIAL, INC. | 20 | 6.99% | $10,967 | $4,465 | $2,135 |
| 40 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 18 | 6.625% | $10,720 | $1,195 | $5,526 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Clay figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Clay County in 2025?
The median interest rate on closed home-purchase loans in Clay County, Florida in 2025 was 6.125%, across 3,147 first-lien, owner-occupied loans. The middle half of borrowers got between 5.375% and 6.625%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.