Lowest closing cost mortgage lenders in Pinellas County County, Florida
In Pinellas County, Florida, homebuyers paid a median of $7,859 in closing costs in 2024 — below the Florida median of $8,887. The county saw 7,818 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Third Federal Savings And Loan Association Of Cleveland offered the lowest median costs at $2,616, which is $4,391 less than the county median.
Homebuyers in Pinellas County County who chose Third Federal Savings And Loan Association Of Cleveland paid $5,243 less in closing costs than the county median.
County Median Costs
$7,859
−11.6% vs Florida ($8,887)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,893
Purchase Originations
7,818
vs Florida Median
11.6% below
$-1,028
vs National Median
16.6% above
$1,118
Lender rankings in Pinellas County County
110 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,616 | 6.590% | $795 | 40 | −$4,391 | |
| 2 | $3,682 | 5.500% | $0 | 15 | −$3,326 | |
| 3 | $3,841 | 6.050% | $815 | 31 | −$3,166 | |
| 4 | $3,902 | 5.500% | $500 | 76 | −$3,105 | |
| 5 | $3,991 | 6.625% | $0 | 70 | −$3,016 | |
| 6 | $4,199 | 6.625% | $1,466 | 15 | −$2,808 | |
| 7 | $4,324 | 6.500% | $1,470 | 13 | −$2,684 | |
| 8 | $4,337 | 6.000% | $0 | 17 | −$2,670 | |
| 9 | $4,360 | 6.625% | $1,638 | 28 | −$2,647 | |
| 10 | $4,372 | 6.688% | $0 | 14 | −$2,635 | |
| 11 | $4,450 | 9.575% | $2,227 | 12 | −$2,557 | |
| 12 | $4,545 | 6.495% | $2,281 | 20 | −$2,462 | |
| 13 | $4,562 | 6.688% | $1,090 | 10 | −$2,445 | |
| 14 | $4,623 | 6.625% | $1,449 | 20 | −$2,384 | |
| 15 | $4,640 | 4.933% | $1,105 | 12 | −$2,367 | |
| 16 | $4,842 | 6.500% | $1,295 | 29 | −$2,165 | |
| 17 | $5,026 | 4.990% | $1,795 | 11 | −$1,980 | |
| 18 | $5,131 | 6.625% | $1,187 | 72 | −$1,876 | |
| 19 | $5,137 | 6.625% | $1,532 | 13 | −$1,870 | |
| 20 | $5,292 | 6.250% | $1,581 | 82 | −$1,715 | |
| 21 | $5,367 | 6.750% | $1,370 | 22 | −$1,640 | |
| 22 | $5,518 | 6.000% | $1,137 | 10 | −$1,489 | |
| 23 | $5,538 | 5.750% | $1,025 | 23 | −$1,469 | |
| 24 | $5,565 | 6.875% | $1,882 | 37 | −$1,442 | |
| 25 | $5,572 | 6.625% | $1,295 | 47 | −$1,436 | |
| 26 | $5,594 | 6.125% | $1,540 | 10 | −$1,413 | |
| 27 | $5,611 | 6.740% | $1,682 | 159 | −$1,396 | |
| 28 | $5,624 | 6.500% | $2,123 | 60 | −$1,383 | |
| 29 | $5,673 | 7.125% | $2,527 | 11 | −$1,334 | |
| 30 | $5,712 | 6.625% | $1,484 | 17 | −$1,295 | |
| 31 | $5,754 | 6.250% | $1,680 | 31 | −$1,253 | |
| 32 | $5,766 | 6.500% | $1,275 | 64 | −$1,241 | |
| 33 | $5,810 | 6.688% | $1,632 | 34 | −$1,197 | |
| 34 | $5,918 | 6.750% | $1,252 | 25 | −$1,090 | |
| 35 | $5,949 | 6.875% | $1,252 | 12 | −$1,058 | |
| 36 | $5,973 | 6.624% | $1,820 | 13 | −$1,034 | |
| 37 | $6,059 | 6.125% | $1,395 | 11 | −$948 | |
| 38 | $6,143 | 6.750% | $3,122 | 30 | −$864 | |
| 39 | $6,183 | 6.625% | $1,541 | 14 | −$824 | |
| 40 | $6,200 | 6.875% | $2,722 | 85 | −$807 | |
| 41 | $6,228 | 6.990% | $2,150 | 30 | −$778 | |
| 42 | $6,235 | 6.875% | $2,065 | 43 | −$772 | |
| 43 | $6,383 | 6.990% | $3,089 | 69 | −$624 | |
| 44 | $6,480 | 6.625% | $950 | 18 | −$527 | |
| 45 | $6,523 | 6.933% | $2,541 | 48 | −$484 | |
| 46 | $6,563 | 6.625% | $1,395 | 23 | −$444 | |
| 47 | $6,661 | 6.750% | $3,194 | 40 | −$346 | |
| 48 | $6,747 | 6.808% | $3,002 | 16 | −$260 | |
| 49 | $6,755 | 6.600% | $1,340 | 94 | −$252 | |
| 50 | $6,804 | 6.875% | $2,359 | 90 | −$203 | |
| 51 | $6,877 | 7.125% | $3,121 | 88 | −$130 | |
| 52 | $6,921 | 7.000% | $2,474 | 60 | −$86 | |
| 53 | $6,927 | 6.625% | $2,482 | 97 | −$80 | |
| 54 | $6,969 | 6.750% | $3,096 | 58 | −$38 | |
| 55 | $7,029 | 6.750% | $3,687 | 339 | +$22 | |
| 56 | $7,062 | 6.625% | $3,187 | 59 | +$55 | |
| 57 | $7,155 | 6.375% | $2,402 | 25 | +$148 | |
| 58 | $7,158 | 6.990% | $3,434 | 99 | +$151 | |
| 59 | $7,166 | 7.500% | $4,741 | 12 | +$159 | |
| 60 | $7,216 | 6.990% | $4,239 | 17 | +$209 | |
| 61 | $7,225 | 6.625% | $3,757 | 12 | +$218 | |
| 62 | $7,245 | 6.912% | $3,849 | 138 | +$238 | |
| 63 | $7,245 | 6.970% | $3,469 | 278 | +$238 | |
| 64 | $7,267 | 6.624% | $3,129 | 21 | +$260 | |
| 65 | $7,270 | 6.875% | $2,966 | 123 | +$263 | |
| 66 | $7,317 | 6.990% | $3,683 | 59 | +$310 | |
| 67 | $7,416 | 7.000% | $1,871 | 32 | +$409 | |
| 68 | $7,444 | 6.990% | $3,972 | 40 | +$437 | |
| 69 | $7,547 | 6.625% | $3,053 | 47 | +$540 | |
| 70 | $7,557 | 6.875% | $2,755 | 108 | +$550 | |
| 71 | $7,587 | 7.000% | $3,119 | 68 | +$580 | |
| 72 | $7,596 | 6.688% | $3,126 | 10 | +$589 | |
| 73 | $7,631 | 6.495% | $1,200 | 12 | +$624 | |
| 74 | $7,724 | 6.875% | $3,880 | 116 | +$717 | |
| 75 | $7,736 | 6.933% | $4,588 | 54 | +$729 | |
| 76 | $7,800 | 6.500% | $3,674 | 28 | +$793 | |
| 77 | $7,872 | 6.990% | $4,453 | 15 | +$865 | |
| 78 | $7,922 | 6.625% | $4,333 | 20 | +$916 | |
| 79 | $8,006 | 7.125% | $5,008 | 27 | +$999 | |
| 80 | $8,007 | 6.990% | $4,855 | 37 | +$1,000 | |
| 81 | $8,122 | 6.500% | $2,492 | 12 | +$1,115 | |
| 82 | $8,290 | 6.625% | $4,906 | 830 | +$1,283 | |
| 83 | $8,481 | 6.933% | $4,358 | 14 | +$1,474 | |
| 84 | $8,652 | 6.990% | $4,348 | 45 | +$1,645 | |
| 85 | $8,856 | 6.875% | $4,846 | 51 | +$1,849 | |
| 86 | $8,876 | 6.875% | $4,351 | 19 | +$1,869 | |
| 87 | $8,891 | 6.750% | $5,336 | 18 | +$1,884 | |
| 88 | $8,907 | 7.125% | $5,510 | 43 | +$1,900 | |
| 89 | $9,056 | 6.625% | $5,758 | 18 | +$2,049 | |
| 90 | $9,524 | 6.625% | $5,373 | 44 | +$2,517 | |
| 91 | $9,853 | 6.875% | $5,618 | 32 | +$2,846 | |
| 92 | $9,892 | 6.625% | $6,235 | 12 | +$2,885 | |
| 93 | $10,015 | 6.875% | $6,149 | 31 | +$3,008 | |
| 94 | $10,219 | 8.250% | $6,794 | 11 | +$3,212 | |
| 95 | $11,079 | 7.125% | $7,535 | 20 | +$4,072 | |
| 96 | $11,147 | 6.875% | $7,673 | 11 | +$4,140 | |
| 97 | $11,186 | 6.490% | $5,569 | 10 | +$4,179 | |
| 98 | $11,256 | 6.688% | $6,799 | 10 | +$4,248 | |
| 99 | $11,309 | 7.625% | $8,140 | 19 | +$4,302 | |
| 100 | $11,411 | 6.625% | $6,488 | 78 | +$4,404 | |
| 101 | $11,690 | 6.990% | $6,598 | 11 | +$4,683 | |
| 102 | $12,928 | 8.870% | $9,447 | 10 | +$5,921 | |
| 103 | $14,239 | 7.625% | $10,687 | 12 | +$7,232 | |
| 104 | $14,867 | 6.625% | $8,785 | 10 | +$7,860 | |
| 105 | $15,410 | 7.875% | $11,340 | 11 | +$8,402 | |
| 106 | $21,540 | 9.500% | $17,065 | 13 | +$14,533 | |
| 107 | $28,561 | 7.000% | $1,942 | 37 | +$21,554 |
Includes lenders with 10+ purchase originations in Pinellas 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.