What people paid for mortgages in Duval County, FL (2025)
Across 10,712 closed home-purchase loans in 2025, the median interest rate in Duval was 6.25%, and the middle half of borrowers got between 5.75% and 6.75%. Median total loan costs ran $7,601 on a median loan of $295,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $7,601
- Median loan amount
- $295,000
10,712 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $6,667
- Median loan amount
- $275,000
3,378 loans, 2025.
Lowest median rates in Duval (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%351 loans, median costs $7,123
- 2.LENNAR MORTGAGE, LLC4.5%337 loans, median costs $8,829
- 3.HOMEAMERICAN MORTGAGE CORPORATION4.5%122 loans, median costs $5,818
- 4.Taylor Morrison Home Funding, Inc.4.75%31 loans, median costs $6,533
- 5.INSPIRE HOME LOANS INC.4.875%111 loans, median costs $9,238
Among lenders with at least 30 closed purchase loans in Duval County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.75%586 loans, median costs $7,789
- 2.VILLAGE CAPITAL & INVESTMENT LLC5.75%56 loans, median costs $5,345
- 3.Mortgage Research Center, LLC5.875%61 loans, median costs $3,932
- 4.PENNYMAC LOAN SERVICES, LLC5.99%105 loans, median costs $7,977
- 5.Bank of America, National Association5.99%40 loans, median costs $4,060
Among lenders with at least 30 closed refinance loans in Duval County in 2025.
Lender by lender in Duval
Every lender that closed at least 5 qualifying loans in Duval 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 | 1,416 | 6.375% | $8,364 | $2,932 | $2,361 |
| 2 | Rocket Mortgage, LLC | 420 | 6.495% | $7,072 | $3,028 | $2,537 |
| 3 | Mortgage Research Center, LLC | 372 | 6.25% | $6,492 | $0 | $2,037 |
| 4 | MOVEMENT MORTGAGE, LLC | 358 | 6.25% | $9,059 | $2,745 | $2,359 |
| 5 | Navy Federal Credit Union | 352 | 6.125% | $4,562 | $0 | $3,094 |
| 6 | DHI MORTGAGE COMPANY, LTD. | 351 | 3.99% | $7,123 | $0 | $4,395 |
| 7 | LENNAR MORTGAGE, LLC | 337 | 4.5% | $8,829 | $1,795 | $4,412 |
| 8 | Ameris Bank | 282 | 5.99% | $6,070 | $1,500 | $7,925 |
| 9 | GUILD MORTGAGE COMPANY | 240 | 6.5% | $9,992 | $3,245 | $2,389 |
| 10 | VYSTAR CREDIT UNION | 194 | 5.875% | $4,486 | $845 | $875 |
| 11 | PENNYMAC LOAN SERVICES, LLC | 186 | 6.375% | $10,482 | $2,870 | $2,088 |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 182 | 6.625% | $9,032 | $3,261 | $3,714 |
| 13 | JET HOMELOANS, LP | 179 | 4.99% | $9,783 | $1,325 | $3,388 |
| 14 | EMM LOANS LLC | 178 | 6.5% | $8,093 | $2,185 | $3,320 |
| 15 | LOANPEOPLE, LLC | 172 | 6.5% | $9,103 | $2,039 | $2,963 |
| 16 | EVERETT FINANCIAL, INC. | 155 | 6.625% | $10,896 | $4,285 | $4,060 |
| 17 | PULTE MORTGAGE LLC | 147 | 4.99% | $4,964 | $0 | $8,224 |
| 18 | 21st Mortgage Corporation | 140 | 10.955% | $6,731 | $4,500 | n/a |
| 19 | CMG MORTGAGE, INC. | 137 | 6.625% | $10,033 | $2,703 | $2,144 |
| 20 | KBHS HOME LOANS, LLC | 135 | 5.99% | $9,801 | $1,380 | $7,881 |
| 21 | Bank of America, National Association | 135 | 5.875% | $3,574 | $1,252 | $3,260 |
| 22 | COMMUNITY FIRST CREDIT UNION OF FLO | 130 | 6.125% | $3,469 | $0 | $3,632 |
| 23 | First Federal Bank | 128 | 6.5% | $4,493 | $1,195 | $651 |
| 24 | Loandepot.Com, LLC | 123 | 4.99% | $10,770 | $1,790 | $2,362 |
| 25 | HOMEAMERICAN MORTGAGE CORPORATION | 122 | 4.5% | $5,818 | $0 | $3,489 |
| 26 | INSPIRE HOME LOANS INC. | 111 | 4.875% | $9,238 | $1,500 | $5,394 |
| 27 | GUARANTEED RATE, INC. | 108 | 6.312% | $8,255 | $1,640 | $1,952 |
| 28 | Regions Bank | 108 | 6.125% | $5,753 | $2,389 | $2,073 |
| 29 | Fairway Independent Mortgage Corporation | 103 | 6.5% | $9,332 | $2,835 | $3,994 |
| 30 | Prosperity Home Mortgage, LLC | 100 | 6.562% | $5,392 | $1,395 | $1,656 |
| 31 | FREEDOM MORTGAGE CORPORATION | 95 | 6.125% | $11,827 | $3,210 | $2,338 |
| 32 | PLANET HOME LENDING, LLC | 90 | 6.375% | $10,215 | $3,213 | $3,319 |
| 33 | JPMorgan Chase Bank, National Association | 89 | 6.375% | $4,484 | $1,372 | $3,038 |
| 34 | ZILLOW HOME LOANS, LLC | 87 | 6.5% | $5,529 | $2,322 | $1,734 |
| 35 | Paramount Residential Mortgage Group, Inc. | 86 | 6.5% | $9,959 | $3,905 | $2,825 |
| 36 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 84 | 6.5% | $9,642 | $2,774 | $3,559 |
| 37 | Broker Solutions, Inc. | 83 | 6.49% | $9,831 | $4,122 | $3,876 |
| 38 | SWBC MORTGAGE CORPORATION | 82 | 6.5% | $4,507 | $0 | $3,290 |
| 39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 77 | 6.25% | $9,690 | $2,322 | $1,796 |
| 40 | NEWREZ LLC | 76 | 6.25% | $9,582 | $1,894 | $2,230 |
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 Duval figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Duval County in 2025?
The median interest rate on closed home-purchase loans in Duval County, Florida in 2025 was 6.25%, across 10,712 first-lien, owner-occupied loans. The middle half of borrowers got between 5.75% and 6.75%.
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.