Florida · Q1 2026
What Florida borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 1,124 lenders.
Published 2026-04-29.
Florida · headline
The gap between Florida's lowest- and highest-cost ranked lenders in 2025 was $7,246 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 256% more than borrowers using Pulte Mortgage LLC on similar loans.
Source: FFIEC HMDA 2025 (n=347,421)
In 2025, 1,124 mortgage lenders originated 347,421 reportable loans in Florida according to FFIEC HMDA data. The median borrower paid $6,862 in total loan costs. That is 61.8% above the national median across all 50 states and DC.
Florida's median total loan cost was $6,862, 61.8% above the national median of $4,242. On a typical loan, that translates to roughly $2,620 more than borrowers paid in the average state.
Pulte Mortgage LLC posted the lowest median total loan costs at $2,836, 58.7% below the Florida median. Across the ranked lenders, 10 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Florida are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $10,081 | $4,695 | 44,750 | D |
| 2 | Rocket Mortgage | $6,009 | $3,458 | 31,523 | A |
| 3 | DHI Mortgage Company, LTD. | $8,382 | $1,640 | 11,248 | B |
| 4 | Lennar Mortgage, LLC | $7,036 | $1,795 | 10,657 | A |
| 5 | CrossCountry Mortgage | $9,245 | $3,833 | 9,974 | C |
| 6 | Pennymac | $7,778 | $2,639 | 9,260 | A |
| 7 | loanDepot.com, LLC | $7,446 | $2,367 | 6,837 | A |
| 8 | Navy Federal Credit Union | $2,988 | $4,508 | 5,760 | A |
| 9 | Mortgage Research Center, LLC | $5,101 | $2,826 | 5,506 | A |
| 10 | JPMorgan Chase Bank, N.A. | $5,585 | $2,423 | 5,354 | A |
Florida median total loan cost
Florida borrowers paid a median $6,862 in total loan costs in 2025, based on 347,421 HMDA-reported loans across 1,124 lenders.
FFIEC HMDA 2025
Lender spread in Florida
In Florida, the gap between Pulte Mortgage LLC ($2,836 median) and United Wholesale Mortgage ($10,081 median) was $7,246 on a typical 2025 loan.
FFIEC HMDA 2025
Florida vs. national
Florida closing costs ran 61.8% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Florida was $2,161, with the typical lender clustering tightly around that figure. Discount points appeared on 58% of loans, with a median paid amount of $2,472 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 35% of loans, with a median credit of $366.
Avg $3,883
Median $2,472 when present
Median $366 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Florida) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Florida
Take this further
Our consumer audits use the same HMDA-backed lender data that powers this report, plus state-level fee benchmarks. Catch inflated charges before you sign.
Fair Loan Check · from $19
Upload a Loan Estimate. We compare every fee against state benchmarks and the lender’s HMDA-reported medians.
Audit your Loan Estimate →Fair Closing Check · from $29
Upload your Closing Disclosure. We flag inflated and junk fees line-by-line and draft a negotiation email back to the lender.
Audit your Closing Disclosure →