What people paid for mortgages in Collier County, FL (2025)
Across 3,598 closed home-purchase loans in 2025, the median interest rate in Collier was 6.5%, and the middle half of borrowers got between 5.99% and 6.875%. Median total loan costs ran $8,924 on a median loan of $465,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 5.99%–6.875%
- Median total loan costs
- $8,924
- Median loan amount
- $465,000
3,598 loans, 2025.
Refinance
- Median rate
- 6.375%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $8,953
- Median loan amount
- $425,000
1,032 loans, 2025.
Lowest median rates in Collier (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.PULTE MORTGAGE LLC5.25%200 loans, median costs $3,164
- 2.Suncoast Credit Union5.438%86 loans, median costs $4,750
- 3.LENNAR MORTGAGE, LLC5.625%99 loans, median costs $5,297
- 4.Bank of America, National Association5.99%37 loans, median costs $7,940
- 5.Loandepot.Com, LLC6.062%84 loans, median costs $10,263
Among lenders with at least 30 closed purchase loans in Collier County in 2025.
Refinance
- 1.Rocket Mortgage, LLC5.99%133 loans, median costs $7,718
- 2.Suncoast Credit Union6.062%40 loans, median costs $3,398
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.124%137 loans, median costs $9,982
- 4.CROSSCOUNTRY MORTGAGE, INC.6.75%39 loans, median costs $11,164
Among lenders with at least 30 closed refinance loans in Collier County in 2025.
Lender by lender in Collier
Every lender that closed at least 5 qualifying loans in Collier 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 | CROSSCOUNTRY MORTGAGE, INC. | 319 | 6.74% | $12,453 | $5,951 | $5,498 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 312 | 6.515% | $11,503 | $4,493 | $2,417 |
| 3 | PULTE MORTGAGE LLC | 200 | 5.25% | $3,164 | $0 | $8,633 |
| 4 | AMERICAN PACIFIC MORTGAGE CORPORATION | 198 | 6.625% | $17,685 | $8,591 | $7,995 |
| 5 | Rocket Mortgage, LLC | 179 | 6.5% | $8,602 | $4,250 | $2,945 |
| 6 | LAKE MICHIGAN CREDIT UNION | 118 | 6.115% | $7,506 | $1,390 | $830 |
| 7 | LENNAR MORTGAGE, LLC | 99 | 5.625% | $5,297 | $1,795 | $1,870 |
| 8 | Suncoast Credit Union | 86 | 5.438% | $4,750 | $500 | $2,900 |
| 9 | Loandepot.Com, LLC | 84 | 6.062% | $10,263 | $1,600 | $7,716 |
| 10 | PENNYMAC LOAN SERVICES, LLC | 77 | 6.499% | $11,482 | $3,886 | $2,310 |
| 11 | JPMorgan Chase Bank, National Association | 68 | 6.312% | $7,183 | $439 | $1,731 |
| 12 | Broker Solutions, Inc. | 65 | 6.75% | $8,945 | $2,672 | $2,801 |
| 13 | GUARANTEED RATE, INC. | 51 | 6.85% | $10,621 | $2,012 | $4,575 |
| 14 | Summit Mortgage Corporation | 47 | 6.75% | $8,144 | $3,425 | $3,440 |
| 15 | U.S. Bank National Association | 47 | 6.375% | $8,199 | $2,129 | $2,016 |
| 16 | THE LOAN STORE, INC.broker only | 46 | 6.875% | $11,263 | $2,459 | $1,962 |
| 17 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 40 | 6.625% | $14,580 | $5,201 | $3,245 |
| 18 | KIND LENDING, LLC | 38 | 6.625% | $11,517 | $3,618 | $1,515 |
| 19 | Bank of America, National Association | 37 | 5.99% | $7,940 | $1,570 | $668 |
| 20 | MOVEMENT MORTGAGE, LLC | 36 | 6.719% | $7,123 | $1,840 | $2,307 |
| 21 | NEWREZ LLC | 36 | 6.812% | $8,928 | $3,058 | $2,331 |
| 22 | Fifth Third Bank, National Association | 35 | 6.47% | $6,494 | $1,295 | $2,750 |
| 23 | Wells Fargo Bank, National Association | 34 | 6.188% | $6,967 | $2,058 | $1,411 |
| 24 | Taylor Morrison Home Funding, Inc. | 33 | 6.5% | $4,246 | $101 | $2,510 |
| 25 | Mortgage Research Center, LLC | 32 | 6.125% | $6,111 | $150 | $1,114 |
| 26 | LOWER, LLC | 31 | 6.625% | $9,752 | $3,722 | $2,819 |
| 27 | TOLL BROTHERS MORTGAGE COMPANY | 27 | 6.625% | $7,230 | $1,499 | $4,082 |
| 28 | NEAL COMMUNITIES FUNDING, LLC | 27 | 6.625% | $4,188 | $100 | $1,000 |
| 29 | Paramount Residential Mortgage Group, Inc. | 26 | 6.625% | $13,154 | $6,442 | $5,295 |
| 30 | Navy Federal Credit Union | 23 | 6.25% | $6,576 | $0 | $1,213 |
| 31 | Truist Bank | 23 | 6.175% | $8,079 | $1,250 | $1,401 |
| 32 | Citizens Bank, National Association | 22 | 6.375% | $7,992 | $1,345 | $3,436 |
| 33 | SPACE COAST CREDIT UNION | 21 | 5.75% | $0 | $0 | n/a |
| 34 | GUARANTEED RATE AFFINITY, LLC | 20 | 6.495% | $8,026 | $1,640 | $4,496 |
| 35 | UNION HOME MORTGAGE CORP. | 20 | 6.625% | $8,479 | $4,674 | $1,130 |
| 36 | FineMark National Bank & Trust | 19 | n/a | n/a | n/a | n/a |
| 37 | CMG MORTGAGE, INC. | 18 | 6.688% | $8,928 | $2,473 | $2,922 |
| 38 | Morgan Stanley Private Bank, National Association | 18 | 5.625% | $6,824 | $815 | n/a |
| 39 | Charles Schwab Bank, SSB | 18 | 5.625% | $6,357 | $1,008 | n/a |
| 40 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 18 | 6.87% | $16,743 | $12,144 | $6,106 |
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 Collier figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Collier County in 2025?
The median interest rate on closed home-purchase loans in Collier County, Florida in 2025 was 6.5%, across 3,598 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% and 6.875%.
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.