Mortgage Rates Miami, Florida (FL) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Miami, Florida. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Miami, Florida as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 7.73% at 6.00%, Seacoast National BankSeacoast National Bank1150 S Miami Ave, Miami, FL, 33130A+5.0 ★Texas Ratio: 2.53% at 6.12%, TruistTruist100 Nw 12th Ave, Miami, FL, 33126A+5.0 ★Texas Ratio: 3.63% at 6.10%, First American BankFirst American Bank1801 Sw 1st St, Miami, FL, 33131A+5.0 ★Texas Ratio: 1.73% at 6.12%, and Citizens BankCitizens Bank1441 Brickell Ave, Miami, FL, 33131A5.0 ★Texas Ratio: 8.28% at 6.25%.
Mortgage rates in Miami, Florida (FL) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Florida borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Miami, FL Mortgage Rate Trends
Compare local Miami, FL mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — FL Avg
6.250%
▲ 0.165 from last week
For buyers in Miami, FL, the broader Florida 30-year fixed average mortgage rate rose 0.165 points this week to 6.250%, according to MonitorBankRates trend data.
15-Year Fixed — FL Avg
5.736%
▼ 2.035 from last week
For buyers in Miami, FL, the broader Florida 15-year fixed average mortgage rate fell 2.035 points this week to 5.736%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Miami, Florida & the Surrounding Area
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1150 S Miami Ave, Miami, FL, 33130
30 Year Fixed
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Nw 12th Ave, Miami, FL, 33126
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1801 Sw 1st St, Miami, FL, 33131
30 Year Fixed Rate
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Nw 12th Ave, Miami, FL, 33126
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1441 Brickell Ave, Miami, FL, 33131
30-Year Fixed Rate
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Flagler St, Miami, FL, 33122
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL, 33131
30 Year Fixed Rate
6.38%
6.44%
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Interamerican Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1000 Sw 57th Ave, Miami, FL, 33144
30-year Fixed
30
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1441 Brickell Ave, Miami, FL, 33131
30-Year Fixed Rate
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL, 33131
30 Year Fixed Rate
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL, 33131
30 Year Fixed Rate
30 Year
6.54%
6.59%
▼
Rate6.54%
APR6.59%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Crews Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
102 E Interlake Blvd, Arcadia, FL, 33801
30-Year Fixed
5.75%
5.78%
▼
Rate5.75%
APR5.78%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
10105 Route 441, Altamonte Springs, FL, 32129
30 Year Mortgages
5.75%
5.81%
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedMar 15, 2026
Details
Purchase
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
10105 Route 441, Altamonte Springs, FL, 32129
30 Year Mortgages Purchase
5.75%
5.81%
▼
Rate5.75%
APR5.81%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 33702 3000
30 Year Fixed Mortgage
359
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
30 Year Fixed Rate
5.88%
5.96%
▼
Rate5.88%
APR5.96%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
10175 State Road 54, Bradenton, FL, 33511 5706
30 Year Fixed
30
5.85%
5.99%
▼
Rate5.85%
APR5.99%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
10175 State Road 54, Bradenton, FL, 33511 5706
30 Year Fixed Second Home
5.85%
5.99%
▼
Rate5.85%
APR5.99%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
10175 State Road 54, Bradenton, FL, 33511 5706
SECOND HOME 30 Year Fixed
5.85%
5.99%
▼
Rate5.85%
APR5.99%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
30 Year Fixed
5.99%
6.00%
▼
Rate5.99%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
30 year fixed
30 year
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Conventional Fixed 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL, 33401
30 Year Fixed
6.12%
6.19%
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
iThink Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1000 NW 17th Ave, Boca Raton, FL, 32948
30 Year Fixed
6.12%
6.20%
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1030 US Highway 1, Cocoa, FL, 32780
30 YEAR FIXED
30
6.12%
6.20%
▼
Rate6.12%
APR6.20%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
30 year fixed
30 year
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Conventional Fixed 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Primera Blvd, Apopka, FL, 32703
30 Year Fixed Rate
30 Year
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL, 32224 1865
30 Year Fixed
30 Year
6.12%
6.28%
▼
Rate6.12%
APR6.28%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
2911 Tamiami Trail N, Naples, FL, 34103
30 Year Fixed Rate Mortgage
30
6.25%
6.30%
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
30 Year Fixed No Cost
6.34%
6.34%
▼
Rate6.34%
APR6.34%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL, 34102
30 Year Fixed (Conforming)
6.25%
6.34%
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Primera Blvd, Apopka, FL, 32703
30 Year Fixed Rate
30 Year
6.25%
6.41%
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; Refinance
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL, 34102
30 Year Fixed (Conforming)
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL, 34102
30 Year Fixed (Conforming)
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
11350 Panama City Beach Pkwy, Lynn Haven, FL, 32403
30-Year Fixed (DU)
6.50%
6.75%
▼
Rate6.50%
APR6.75%
Points-0.125
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Nw 12th Ave, Miami, FL, 33126
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Nw 12th Ave, Miami, FL, 33126
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1150 S Miami Ave, Miami, FL, 33130
15 Year Fixed
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL, 33131
15 Year Fixed Rate
5.62%
5.72%
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Flagler St, Miami, FL, 33122
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1441 Brickell Ave, Miami, FL, 33131
15-Year Fixed Rate
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1441 Brickell Ave, Miami, FL, 33131
15-Year Fixed Rate
5.62%
5.77%
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL, 33131
15 Year Fixed Rate
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Interamerican Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
1000 Sw 57th Ave, Miami, FL, 33144
15-year Fixed
15
5.88%
5.95%
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1801 Sw 1st St, Miami, FL, 33131
15 Year Fixed Rate
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Crews Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
102 E Interlake Blvd, Arcadia, FL, 33801
15-Year Fixed
5.00%
5.04%
▼
Rate5.00%
APR5.04%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 33702 3000
15 Year Fixed Mortgage
179
5.25%
5.31%
▼
Rate5.25%
APR5.31%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1030 US Highway 1, Cocoa, FL, 32780
15 YEAR FIXED
15
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
15 Year Fixed
5.49%
5.51%
▼
Rate5.49%
APR5.51%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
15 Year Fixed Rate
5.38%
5.53%
▼
Rate5.38%
APR5.53%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL, 33401
15 Year Fixed
5.49%
5.59%
▼
Rate5.49%
APR5.59%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
15 Year Fixed, First Mortgage
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.500
UpdatedMar 17, 2026
Details
Loan to Value %: 80%
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
15 year fixed
15 year
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Conventional Fixed 15 year fixed
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Primera Blvd, Apopka, FL, 32703
15 Year Fixed Rate
15 Year
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL, 32224 1865
15 Year Fixed
15 Year
5.50%
5.75%
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
iThink Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
1000 NW 17th Ave, Boca Raton, FL, 32948
15 Year Fixed
5.62%
5.75%
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
15 year fixed
15 year
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Conventional Fixed 15 year fixed
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
2911 Tamiami Trail N, Naples, FL, 34103
15 Year Fixed Rate
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
2911 Tamiami Trail N, Naples, FL, 34103
15 Year Fixed Rate Mortgage
15
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
15 Year Fixed No Cost
5.84%
5.84%
▼
Rate5.84%
APR5.84%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL, 34102
15 Year Fixed (Conforming)
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Primera Blvd, Apopka, FL, 32703
15 Year Fixed Rate
15 Year
5.62%
5.89%
▼
Rate5.62%
APR5.89%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; Refinance
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1100 5th Ave S, Naples, FL, 34102
15 Year Fixed (Conforming)
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
10175 State Road 54, Bradenton, FL, 33511 5706
15 Year Fixed
15
5.50%
6.01%
▼
Rate5.50%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
10175 State Road 54, Bradenton, FL, 33511 5706
15 Year Fixed Second Home
5.50%
6.01%
▼
Rate5.50%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
10175 State Road 54, Bradenton, FL, 33511 5706
SECOND HOME 15 Year Fixed
5.50%
6.01%
▼
Rate5.50%
APR6.01%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 33702 3000
15 Year Fixed
6.50%
6.53%
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Flagler St, Miami, FL, 33122
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL, 33131
5/6 ARM
5/6
5.64%
6.28%
▼
Rate5.64%
APR6.28%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1441 Brickell Ave, Miami, FL, 33131
7/6 ARM
7/6
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1801 Sw 1st St, Miami, FL, 33131
5/6 ARM SOFR
6.12%
6.61%
▼
Rate6.12%
APR6.61%
Points0.500
UpdatedMar 18, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
3/1 ARM, First Mortgage
5.00%
5.06%
▼
Rate5.00%
APR5.06%
Points0.000
UpdatedMar 17, 2026
Details
Loan to Value %: 80%
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
5/5 ARM
5.25%
5.35%
▼
Rate5.25%
APR5.35%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 5/5 ARM
5.25%
5.35%
▼
Rate5.25%
APR5.35%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Florida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
10 Bahia Ave, Belleview, FL, 32055 5802
5/1 Adjustable Rate Mortgage (ARM)
5.25%
5.39%
▼
Rate5.25%
APR5.39%
Points0.000
UpdatedMar 16, 2026
Details
As Low As; Up to $5,000 lender credit toward closing costs on portfolio loans
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
5/5 ARM
5.38%
5.48%
▼
Rate5.38%
APR5.48%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 5/5 ARM
5.38%
5.48%
▼
Rate5.38%
APR5.48%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
5/1 ARM, First Mortgage
5.50%
5.56%
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedMar 17, 2026
Details
Loan to Value %: 80%
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
7/6 ARM
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 7/6 ARM
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL, 33401
5/6 ARM
5.25%
5.61%
▼
Rate5.25%
APR5.61%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
625 N Flagler Dr, West Palm Beach, FL, 33401
7/6 ARM
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
7/6 ARM
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 7/6 ARM
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 10/1 ARM
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Primera Blvd, Apopka, FL, 32703
5 Year Adjustable Rate
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMar 17, 2026
Details
Purchase
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
7/1 ARM Jumbo
5.12%
5.89%
▼
Rate5.12%
APR5.89%
Points1.000
UpdatedMar 17, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 33702 3000
5/1 Year Adjustable
60
5.25%
5.90%
▼
Rate5.25%
APR5.90%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1000 Primera Blvd, Apopka, FL, 32703
5 Year Adjustable Rate
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 17, 2026
Details
Refinance
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 33702 3000
7/1 Year Adjustable
84
5.50%
5.91%
▼
Rate5.50%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
5/1 ARM Jumbo
5.12%
5.93%
▼
Rate5.12%
APR5.93%
Points1.000
UpdatedMar 17, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
5/5 ARM, First Mortgage
5.88%
5.94%
▼
Rate5.88%
APR5.94%
Points0.000
UpdatedMar 17, 2026
Details
Loan to Value %: 80%
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
5/1 ARM (15 year)
5.44%
5.97%
▼
Rate5.44%
APR5.97%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
7/1 ARM
5.50%
5.97%
▼
Rate5.50%
APR5.97%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 10/1 ARM
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
5/1 ARM (15 year)
5.44%
6.00%
▼
Rate5.44%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
11350 Panama City Beach Pkwy, Lynn Haven, FL, 32403
7-Year Adjustable Rate Mortgage (ARM)
7
5.50%
6.05%
▼
Rate5.50%
APR6.05%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
7/1 ARM, First Mortgage
6.00%
6.06%
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMar 17, 2026
Details
Loan to Value %: 80%
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL, 32224 1865
7/6 ARM
5.62%
6.09%
▼
Rate5.62%
APR6.09%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
10105 Route 441, Altamonte Springs, FL, 32129
5/1 ARM
5.38%
6.11%
▼
Rate5.38%
APR6.11%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
10105 Route 441, Altamonte Springs, FL, 32129
5/1 ARM, Primary Purchase
5.38%
6.11%
▼
Rate5.38%
APR6.11%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL, 32224 1865
5/6 ARM
5.50%
6.13%
▼
Rate5.50%
APR6.13%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1421 Gateway Dr, Melbourne, FL, 32095 6200
5/1 ARM
5.62%
6.14%
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1421 Gateway Dr, Melbourne, FL, 32095 6200
Jumbo 5/1 ARM
5.75%
6.15%
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
5/1 ARM (15 year) Low Cost
5.74%
6.15%
▼
Rate5.74%
APR6.15%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1421 Gateway Dr, Melbourne, FL, 32095 6200
3/1 ARM
5.50%
6.17%
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
10/1 ARM Jumbo
6.00%
6.20%
▼
Rate6.00%
APR6.20%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1421 Gateway Dr, Melbourne, FL, 32095 6200
Jumbo 3/1 ARM
5.63%
6.21%
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1421 Gateway Dr, Melbourne, FL, 32095 6200
7/1 ARM
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
1421 Gateway Dr, Melbourne, FL, 32095 6200
Jumbo 7/1 ARM
6.13%
6.27%
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
3/1 ARM (15 year)
5.59%
6.29%
▼
Rate5.59%
APR6.29%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
3/1 ARM (15 year)
5.59%
6.32%
▼
Rate5.59%
APR6.32%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Third Federal Savings and Loan
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
11701 Us Highway 1, Boca Raton, FL, 33009
5/1 ARM (30 year)
5.64%
6.32%
▼
Rate5.64%
APR6.32%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Seacoast National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1150 S Miami Ave, Miami, FL, 33130
30 Year Fixed Jumbo (loans greater than
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedMar 11, 2026
Details
$832,750
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1801 Sw 1st St, Miami, FL, 33131
Jumbo 30 Year Fixed
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Nw 12th Ave, Miami, FL, 33126
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 UNF Dr Bldg 1402, Callahan, FL, 32003 6333
Jumbo Mortgages
15
5.50%
5.55%
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 UNF Dr Bldg 1402, Callahan, FL, 32003 6333
Jumbo Mortgages
5
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1030 US Highway 1, Cocoa, FL, 32780
30 YEAR FIXED JUMBO FINANCING
5.62%
5.66%
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 15 year fixed
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1000 W Rhode Island Ave, Cape Canaveral, FL, 32119
Jumbo Loan
5.74%
5.78%
▼
Rate5.74%
APR5.78%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 15 year fixed
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 20 year fixed
5.75%
5.89%
▼
Rate5.75%
APR5.89%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
15 Year Fixed Rate Jumbo
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
10105 Route 441, Altamonte Springs, FL, 32129
First Mortgage, Jumbo (30 Year)
5.99%
6.00%
▼
Rate5.99%
APR6.00%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 20 year fixed
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1199 N Eglin Pkwy, Bartow, FL, 32579 1252
Jumbo Loan
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1 UNF Dr Bldg 1402, Callahan, FL, 32003 6333
Jumbo Mortgages
30
6.00%
6.03%
▼
Rate6.00%
APR6.03%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
155 Busch Dr, Jacksonville, FL, 32218 5546
Jumbo 15-Year
15
5.88%
6.07%
▼
Rate5.88%
APR6.07%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
Jumbo 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
155 Busch Dr, Jacksonville, FL, 32218 5546
Jumbo 30-Year
30
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Nw 12th Ave, Miami, FL, 33126
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
FHA 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
FHA 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
FHA 30 Year Fixed Rate
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1199 N Eglin Pkwy, Bartow, FL, 32579 1252
FHA Loan
5.38%
6.26%
▼
Rate5.38%
APR6.26%
Points0.000
UpdatedMar 15, 2026
Details
As Low As; Rates as low as 5.375% (6.265% APR)
Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1030 US Highway 1, Cocoa, FL, 32780
FHA - 30 YEAR FIXED - PURCHASE
5.62%
6.42%
▼
Rate5.62%
APR6.42%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
11350 Panama City Beach Pkwy, Lynn Haven, FL, 32403
30-Year Fixed (DU) FHA 30-YR Fixed
6.00%
6.78%
▼
Rate6.00%
APR6.78%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
11350 Panama City Beach Pkwy, Lynn Haven, FL, 32403
FHA 30-YR Fixed
6.00%
6.78%
▼
Rate6.00%
APR6.78%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
100 E Flagler St, Miami, FL, 33122
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
First American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1801 Sw 1st St, Miami, FL, 33131
Federal VA 30 Year Fixed Rate
5.99%
6.32%
▼
Rate5.99%
APR6.32%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1199 N Eglin Pkwy, Bartow, FL, 32579 1252
VA Loan
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Community Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
1030 US Highway 1, Cocoa, FL, 32780
VA- 30 YEAR FIXED
5.62%
5.91%
▼
Rate5.62%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
VA 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
VA 30 year IRRRL
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
VA 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
1800 Barrs St, Jacksonville, FL, 32202
VA 30 year IRRRL
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
10901 N Dale Mabry Hwy, Bradenton, FL, 33556 3494
VA 30 Year Fixed Rate
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1800 2nd Street, Naples, FL, 33480
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
11350 Panama City Beach Pkwy, Lynn Haven, FL, 32403
VA 15-Yr Fixed
6.62%
7.15%
▼
Rate6.62%
APR7.15%
Points0.750
UpdatedMar 15, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Miami, Florida directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Miami, Florida. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in FL.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Miami, Florida
How does my credit score affect my rate in Florida?
Your credit score is a major factor. Generally, borrowers in Miami, Florida with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Florida because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Florida?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Florida, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Miami, Florida, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Miami, Florida?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Florida, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Florida?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Miami, Florida offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Miami, Florida?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Miami, Florida?
- Baxter Credit Union: 6.00% (30-Year Fixed Mortgage)
- Seacoast National Bank: 6.12% (30 Year Fixed)
- Truist: 6.10% (30-Year Fixed)
- First American Bank: 6.12% (30 Year Fixed Rate)
- Citizens Bank: 6.25% (30-Year Fixed Rate)
Mortgage Rates reflect actual verified offers from lenders actively lending to Florida borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
