Home
Mortgage Products
15-Year Fixed Conforming Mortgage

Florida 15-Year Fixed Mortgage Rates 2025

Compare Florida 15-Year Fixed Conforming Mortgage rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information. Mortgage rates are updated daily.

Loan Amount:

State or Zip:

Advanced

Advanced Mortgage Search

Transaction:

Loan amount value:

House Value

LTV value:

State:

Period:

Loan Type:

Points:

Property Type:

FICO:

Occupancy:

Do you have a property that you're interested in?

Are you currently working with a real estate agent?

Florida 15-Year Fixed Conforming Mortgage

October 30, 2025
Average: 5.88% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Pentagon Federal Credit Union NMLS ID: 401822	Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender 15 Yr Fixed		$0	Learn More
Midwest Mortgage Lending NMLS ID: 2262032 License#: MBR5350	4.768% 15 Yr Fixed	4.625% Fees & Points $3,050 Total 0.625 Pts: $2,000 $1,050 Fees	$2,469	Learn More See Table View
HomePlus Mortgage NMLS ID: 78669	4.948% 15 Yr Fixed	4.750% Fees & Points $4,307 Total 1.000 Pts: $3,200 $1,107 Fees	$2,490	Learn More See Table View
Bergen Mortgage Enterprise LLC NMLS ID: 1897215 License#: MBR3293	5.007% 15 Yr Fixed	4.875% Fees & Points $2,800 Total 0.875 Pts: $2,800 $0 Fees	$2,510	Learn More See Table View
First Federal Bank NMLS ID: 408902	5.040% 15 Yr Fixed	4.875% Fees & Points $3,493 Total 0.718 Pts: $2,298 $1,195 Fees	$2,510	Learn More See Table View
Revix NMLS ID: 2684156 License#: MBR7986	5.057% 15 Yr Fixed	4.875% Fees & Points $3,959 Total 0.866 Pts: $2,771 $1,188 Fees	$2,510	Learn More See Table View
Home Simply NMLS ID: 2473786 License#: MBR6346	5.064% 15 Yr Fixed	4.875% Fees & Points $4,001 Total 0.908 Pts: $2,906 $1,095 Fees	$2,510	Learn More See Table View
Loansteady NMLS ID: 1701910	5.077% 15 Yr Fixed	4.875% Fees & Points $4,290 Total 0.875 Pts: $2,800 $1,490 Fees	$2,510	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	5.170% 15 Yr Fixed	5.000% Fees & Points $3,595 Total 0.500 Pts: $1,600 $1,995 Fees	$2,531	Learn More See Table View
Ready Rate NMLS ID: 2154342 License#: FL - MLD2280	5.221% 15 Yr Fixed	4.875% Fees & Points $7,364 Total 0.742 Pts: $2,374 $4,990 Fees	$2,510	Learn More See Table View
Bison State Bank NMLS ID: 757416	5.252% 15 Yr Fixed	5.125% Fees & Points $2,672 Total 0.835 Pts: $2,672 $0 Fees	$2,552	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.365% 15 Yr Fixed	5.125% Fees & Points $5,065 Total 0.993 Pts: $3,178 $1,887 Fees	$2,552	Learn More See Table View
Third Federal Savings & Loan NMLS ID: 449401	5.390% 15 Yr Fixed	5.390% Fees & Points $0 Total 0.000 Pts: $0 $0 Fees	$2,597	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	5.396% 15 Yr Fixed	5.250% Fees & Points $3,056 Total 0.955 Pts: $3,056 $0 Fees	$2,573	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	5.424% 15 Yr Fixed	5.250% Fees & Points $3,654 Total 0.923 Pts: $2,954 $700 Fees	$2,573	Learn More See Table View
Neighbors Bank NMLS ID: 491986	As low as 0% down options & down payment assistance Minimum 620 credit score needed to prequalify 96% of borrowers would recommend Neighbors Bank 15 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Get home in 2025 with a 0% down VA Loan Score your prequalification anytime with 24/7 online tools Save more with competitive VA rates and no PMI Backed by over 300,000 verified 5-star reviews 15 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Pnc Bank, National Association Updated 10/04/2022	5.66%	5.38% 0.00 points $3,210.00 fees	$2,593.49	Learn MoreShow Less See Table View
U.s. Bank National Association Updated 05/07/2023	5.66%	5.38% 0.77 points $0.00 fees	$2,593.49	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	6.25%	5.88% 0.95 points $0.00 fees	$2,678.78	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 09/08/2023	7.17%	5.94% 2.00 points $3,210.00 fees	$2,689.46	Learn MoreShow Less See Table View
Santander Bank, N.a. Updated 12/20/2022	6.45%	5.99% 2.00 points $6,000.00 fees	$2,698.61	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.04%	6.00% 0.00 points $2,784.00 fees	$2,700.34	Learn MoreShow Less See Table View
Southern Energy Credit Union Updated 03/27/2024 Restrictions	6.12%	6.00% 0.00 points $2,013.00 fees	$2,700.34	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.30%	6.13% 0.00 points $0.00 fees	$2,722.00	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.42%	6.25% 0.00 points $0.00 fees	$2,743.75	Learn MoreShow Less See Table View
Bmo Bank National Association Updated 06/02/2023	6.60%	6.35% 0.00 points $4,761.00 fees	$2,760.87	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.08%	6.35% 0.88 points $2,739.00 fees	$2,761.57	Learn MoreShow Less See Table View
Td Bank, National Association Updated 10/10/2022	6.65%	6.38% 0.00 points $4,266.00 fees	$2,765.60	Learn MoreShow Less See Table View
Oneunited Bank Updated 06/15/2022	6.61%	6.38% 0.00 points $4,876.00 fees	$2,765.60	Learn MoreShow Less See Table View
Emigrant Bank Updated 10/24/2025	5.57%	6.46% 1.75 points $0.00 fees	$2,780.51	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	6.55%	6.50% 0.00 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	6.67%	6.50% 0.38 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	6.84%	6.63% 0.50 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
Grow Financial Credit Union Updated 06/15/2022 Restrictions	6.99%	6.63% 0.00 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
Tower Credit Union Updated 06/15/2022 Restrictions	6.69%	6.63% 0.00 points $0.00 fees	$2,810.46	Learn MoreShow Less See Table View
Suncoast Schools Credit Union Updated 06/15/2022 Restrictions	6.69%	6.63% 0.00 points $0.00 fees	$2,810.46	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

Mortgage Resources

The Insider's Guide to Mortgages

Download

Florida 15-Year Fixed Mortgage Rates 2025

Florida 15-Year Fixed Conforming Mortgage

Products by State