What people paid for mortgages in St. Lucie County, FL (2025)
Across 5,427 closed home-purchase loans in 2025, the median interest rate in St. Lucie was 6.25%, and the middle half of borrowers got between 5.75% and 6.75%. Median total loan costs ran $9,966 on a median loan of $355,000. 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
- $9,966
- Median loan amount
- $355,000
5,427 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $8,512
- Median loan amount
- $305,000
1,560 loans, 2025.
Lowest median rates in St. Lucie (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.4.75%148 loans, median costs $9,340
- 2.LENNAR MORTGAGE, LLC4.875%324 loans, median costs $8,965
- 3.COASTAL LOANS, LLC4.99%123 loans, median costs $13,307
- 4.FBC MORTGAGE, LLC4.99%78 loans, median costs $9,944
- 5.K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.4.99%64 loans, median costs $10,142
Among lenders with at least 30 closed purchase loans in St. Lucie County in 2025.
Refinance
- 1.Loandepot.Com, LLC5.99%36 loans, median costs $8,480
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%294 loans, median costs $9,614
- 3.PENNYMAC LOAN SERVICES, LLC5.999%71 loans, median costs $9,094
- 4.Rocket Mortgage, LLC6.125%275 loans, median costs $8,157
- 5.NEWREZ LLC6.188%48 loans, median costs $6,311
Among lenders with at least 30 closed refinance loans in St. Lucie County in 2025.
Lender by lender in St. Lucie
Every lender that closed at least 5 qualifying loans in St. Lucie 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 | 862 | 6.46% | $11,255 | $3,735 | $2,285 |
| 2 | CROSSCOUNTRY MORTGAGE, INC. | 345 | 6.625% | $10,141 | $3,632 | $3,326 |
| 3 | LENNAR MORTGAGE, LLC | 324 | 4.875% | $8,965 | $1,795 | $3,045 |
| 4 | Rocket Mortgage, LLC | 225 | 6.375% | $10,269 | $4,468 | $3,519 |
| 5 | Loandepot.Com, LLC | 184 | 5.25% | $11,391 | $1,600 | $9,018 |
| 6 | DHI MORTGAGE COMPANY, LTD. | 148 | 4.75% | $9,340 | $0 | $6,799 |
| 7 | COASTAL LOANS, LLC | 123 | 4.99% | $13,307 | $1,790 | $6,882 |
| 8 | MATTAMY HOME FUNDING, LLC | 122 | 5.624% | $6,986 | $101 | $5,605 |
| 9 | Taylor Morrison Home Funding, Inc. | 113 | 5.75% | $4,617 | $125 | $2,044 |
| 10 | PENNYMAC LOAN SERVICES, LLC | 108 | 6.49% | $8,858 | $1,876 | $2,118 |
| 11 | Paramount Residential Mortgage Group, Inc. | 86 | 6.5% | $12,822 | $3,092 | $2,638 |
| 12 | Mortgage Research Center, LLC | 84 | 6.25% | $6,517 | $0 | $1,287 |
| 13 | GUILD MORTGAGE COMPANY | 83 | 6.5% | $11,275 | $5,003 | $6,164 |
| 14 | RMC HOME MORTGAGE, LLC | 82 | 6.49% | $13,226 | $5,022 | $4,443 |
| 15 | GUARANTEED RATE, INC. | 79 | 6.625% | $9,399 | $3,263 | $2,861 |
| 16 | FBC MORTGAGE, LLC | 78 | 4.99% | $9,944 | $1,985 | $5,726 |
| 17 | NQM FUNDING, LLC | 68 | 6.125% | $13,153 | $5,640 | $8,958 |
| 18 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 64 | 4.99% | $10,142 | $1,800 | $5,533 |
| 19 | JPMorgan Chase Bank, National Association | 56 | 6.625% | $6,011 | $2,449 | $2,178 |
| 20 | NEWREZ LLC | 51 | 6.25% | $10,774 | $1,795 | $1,324 |
| 21 | PULTE MORTGAGE LLC | 49 | 6.625% | $3,246 | $0 | $2,309 |
| 22 | Fairway Independent Mortgage Corporation | 49 | 6.75% | $9,084 | $2,163 | $2,590 |
| 23 | NVR Mortgage Finance, Inc. | 48 | 5.933% | $6,010 | $3,681 | $8,803 |
| 24 | A&D Mortgage LLC | 46 | 6.495% | $9,832 | $3,695 | $1,444 |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 45 | 6.375% | $6,517 | $1,345 | $2,500 |
| 26 | FREEDOM MORTGAGE CORPORATION | 45 | 6.125% | $13,540 | $4,119 | $3,805 |
| 27 | EVERETT FINANCIAL, INC. | 45 | 6.875% | $11,452 | $4,449 | $3,619 |
| 28 | SouthState Bank, National Association | 43 | 6.6% | $5,683 | $1,574 | $905 |
| 29 | THE LOAN STORE, INC.broker only | 40 | 6.433% | $13,264 | $3,892 | $2,500 |
| 30 | KIND LENDING, LLC | 36 | 6.5% | $13,234 | $4,123 | $2,420 |
| 31 | Navy Federal Credit Union | 34 | 6% | $4,067 | $0 | $574 |
| 32 | JMAC LENDING, INC. | 34 | 6.312% | $13,494 | $5,100 | $2,587 |
| 33 | UNION HOME MORTGAGE CORP. | 34 | 6.562% | $8,463 | $2,182 | $924 |
| 34 | MOVEMENT MORTGAGE, LLC | 30 | 6.5% | $11,437 | $3,453 | $3,265 |
| 35 | MIDFLORIDA | 30 | 6.188% | $5,108 | $1,092 | $1,103 |
| 36 | Plains Commerce Bank | 30 | 6.375% | $12,327 | $1,295 | $1,662 |
| 37 | ZILLOW HOME LOANS, LLC | 29 | 6.625% | $5,772 | $2,407 | $1,954 |
| 38 | Broker Solutions, Inc. | 29 | 6.5% | $10,820 | $3,575 | $4,440 |
| 39 | Capital Partner Mortgage Services | 29 | 6.125% | $12,030 | $1,695 | $3,106 |
| 40 | Bank of America, National Association | 29 | 6.125% | $5,571 | $1,935 | $2,165 |
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 St. Lucie figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in St. Lucie County in 2025?
The median interest rate on closed home-purchase loans in St. Lucie County, Florida in 2025 was 6.25%, across 5,427 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.