Mortgage lender closing cost rankings in Florida (2024)
In Florida, homebuyers paid a median of $8,887 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.50% across 235,085 purchase originations. The most active lender was UNITED WHOLESALE MORTGAGE, LLC with 32,231 originations. The lowest-cost lender (with 50+ loans) was SPACE COAST CREDIT UNION at $0.
Median Total Costs
$8,887
+31.8% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,486
Purchase Originations
235,085
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 138,988 | 6.625% | $6,973 |
| fha | 65,553 | 6.250% | $12,673 |
| va | 29,958 | 6.125% | $7,386 |
| usda | 586 | 6.250% | $8,387 |
Lowest closing cost lenders in Florida
Ranked by median total loan costs among lenders with 50+ purchase originations in Florida.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.000% | $0 | 706 | −$8,887 | |
| 2 | $2,356 | 6.790% | $795 | 247 | −$6,531 | |
| 3 | $2,435 | 6.625% | $0 | 81 | −$6,452 | |
| 4 | $2,455 | 8.390% | $2,382 | 60 | −$6,432 | |
| 5 | $2,542 | 3.125% | $825 | 115 | −$6,345 | |
| 6 | $2,936 | 5.875% | $0 | 3,854 | −$5,951 | |
| 7 | $2,975 | 6.438% | $0 | 114 | −$5,912 | |
| 8 | $3,585 | 6.500% | $0 | 166 | −$5,302 | |
| 9 | $3,650 | 5.990% | $0 | 231 | −$5,237 | |
| 10 | $3,890 | 5.625% | $500 | 1,122 | −$4,997 | |
| 11 | $4,014 | 6.925% | $1,075 | 1,387 | −$4,873 | |
| 12 | $4,068 | 7.500% | $0 | 214 | −$4,819 | |
| 13 | $4,103 | 6.875% | $101 | 387 | −$4,784 | |
| 14 | $4,288 | 6.500% | $234 | 58 | −$4,599 | |
| 15 | $4,437 | 6.125% | $495 | 103 | −$4,450 | |
| 16 | $4,556 | 6.625% | $1,200 | 102 | −$4,331 | |
| 17 | $4,564 | 6.125% | $0 | 3,010 | −$4,323 | |
| 18 | $4,567 | 5.875% | $1,060 | 100 | −$4,320 | |
| 19 | $4,605 | 9.550% | $2,279 | 74 | −$4,282 | |
| 20 | $4,630 | 5.625% | $0 | 55 | −$4,257 | |
| 21 | $4,630 | 8.500% | $3,168 | 70 | −$4,257 | |
| 22 | $4,637 | 6.250% | $1,105 | 53 | −$4,250 | |
| 23 | $4,641 | 6.375% | $995 | 64 | −$4,246 | |
| 24 | $4,751 | 6.050% | $815 | 586 | −$4,136 | |
| 25 | $4,836 | 6.625% | $1,075 | 218 | −$4,051 |
Includes lenders with 50+ purchase originations in Florida. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Hillsborough County
15,029 originations
Broward County
14,866 originations
Miami-Dade County
14,708 originations
Polk County
12,126 originations
Palm Beach County
11,849 originations
Orange County
11,623 originations
Lee County
11,348 originations
Pasco County
11,176 originations
Duval County
10,628 originations
Brevard County
8,552 originations
Pinellas County
7,818 originations
Volusia County
6,918 originations
Marion County
6,621 originations
Osceola County
6,558 originations
Manatee County
6,535 originations
Lake County
6,252 originations
St. Johns County
6,097 originations
St. Lucie County
5,911 originations
Sarasota County
5,368 originations
Seminole County
4,327 originations
Collier County
3,609 originations
Escambia County
3,607 originations
Charlotte County
3,559 originations
Santa Rosa County
3,306 originations
Hernando County
3,270 originations
Clay County
3,135 originations
Okaloosa County
2,986 originations
Bay County
2,730 originations
Sumter County
2,296 originations
Flagler County
2,245 originations
Citrus County
2,202 originations
Alachua County
2,167 originations
Leon County
2,068 originations
Indian River County
1,755 originations
Martin County
1,522 originations
Nassau County
1,477 originations
Walton County
1,409 originations
Highlands County
966 originations
Putnam County
598 originations
Levy County
513 originations
Wakulla County
512 originations
Hendry County
510 originations
Columbia County
485 originations
Monroe County
463 originations
Okeechobee County
352 originations
Suwannee County
301 originations
Washington County
281 originations
Jackson County
256 originations
Bradford County
218 originations
Gadsden County
212 originations
DeSoto County
208 originations
Baker County
193 originations
Gilchrist County
182 originations
Gulf County
142 originations
Hardee County
139 originations
Glades County
109 originations
Jefferson County
100 originations
Taylor County
100 originations
See Florida closing cost details, fee benchmarks, and county comparisons → Florida Closing Costs Guide
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.