Lowest closing cost mortgage lenders in Clay County County, Florida
In Clay County, Florida, homebuyers paid a median of $8,282 in closing costs in 2024 — below the Florida median of $8,887. The county saw 3,135 purchase mortgages at a median rate of 6.25%. Among lenders with 10+ originations, HOMEAMERICAN MORTGAGE CORPORATION offered the lowest median costs at $350, which is $5,706 less than the county median.
Homebuyers in Clay County County who chose HOMEAMERICAN MORTGAGE CORPORATION paid $7,932 less in closing costs than the county median.
County Median Costs
$8,282
−6.8% vs Florida ($8,887)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$1,755
Purchase Originations
3,135
vs Florida Median
6.8% below
$-605
vs National Median
22.9% above
$1,541
Lender rankings in Clay County County
36 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $350 | 5.500% | $0 | 13 | −$5,706 | |
| 2 | $1,337 | 6.125% | $0 | 33 | −$4,719 | |
| 3 | $3,187 | 5.500% | $0 | 34 | −$2,869 | |
| 4 | $3,196 | 6.375% | $0 | 13 | −$2,860 | |
| 5 | $3,384 | 6.500% | $0 | 44 | −$2,672 | |
| 6 | $4,193 | 6.433% | $995 | 10 | −$1,863 | |
| 7 | $4,196 | 6.688% | $2,632 | 42 | −$1,860 | |
| 8 | $4,402 | 5.933% | $682 | 18 | −$1,654 | |
| 9 | $4,963 | 4.875% | $1,795 | 28 | −$1,093 | |
| 10 | $5,187 | 6.562% | $1,750 | 12 | −$869 | |
| 11 | $5,230 | 6.688% | $1,996 | 24 | −$826 | |
| 12 | $5,353 | 5.990% | $1,380 | 27 | −$703 | |
| 13 | $5,585 | 6.589% | $3,361 | 12 | −$471 | |
| 14 | $5,970 | 6.750% | $2,968 | 18 | −$86 | |
| 15 | $5,978 | 6.250% | $2,014 | 15 | −$78 | |
| 16 | $6,073 | 6.688% | $2,382 | 16 | +$17 | |
| 17 | $6,745 | 8.975% | $4,500 | 24 | +$689 | |
| 18 | $6,960 | 6.625% | $3,493 | 13 | +$904 | |
| 19 | $7,227 | 6.875% | $3,182 | 11 | +$1,171 | |
| 20 | $7,485 | 6.875% | $4,407 | 145 | +$1,429 | |
| 21 | $7,486 | 6.933% | $4,225 | 20 | +$1,430 | |
| 22 | $7,576 | 6.562% | $4,933 | 68 | +$1,520 | |
| 23 | $7,609 | 6.625% | $5,424 | 17 | +$1,553 | |
| 24 | $7,695 | 6.875% | $4,606 | 16 | +$1,639 | |
| 25 | $7,941 | 7.125% | $3,889 | 27 | +$1,885 | |
| 26 | $8,132 | 6.625% | $3,930 | 19 | +$2,076 |
Includes lenders with 10+ purchase originations in Clay County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Florida → Lender Directory
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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.