Port St. Lucie FHA Loan Rates, Closing Costs & Stats

PORT ST. LUCIE, FL

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Port St. Lucie's 191 lenders originated 3,208 FHA loans during 2024. The total origination value was $1,130,860,000, with an average FHA loan value of $352,512.

    Port St. Lucie FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Port St. Lucie averaged 6.71% for the week of 2025-07-18, compared to the national average (all FHA variants) of 6.527% for the same period.

    Port St. Lucie's average FHA mortgage closing costs are $10,632.

    The average rate for the prior week (2025-07-11) was 6.71% and one month ago for the week of 2025-06-13, the average rate was 6.46%.

    The average rate one year ago was 6.93%.

    For refis of the same type during the week of 2025-07-18, the average rate was 6.44%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Port St. Lucie FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Port St. Lucie level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 523 6.24% $16,327
    LOANDEPOT.COM, LLC 193 5.90% $12,600
    QUICKEN LOANS, LLC 169 6.22% $14,980
    EAGLE HOME MORTGAGE, LLC 157 4.89% $13,075
    CROSSCOUNTRY MORTGAGE, LLC 122 6.59% $15,832
    FREEDOM MORTGAGE CORPORATION 118 6.23% $15,349
    DHI MORTGAGE COMPANY, LTD. 101 5.12% $10,681
    Paramount Residential Mortgage Group, Inc. 67 6.66% $16,086
    NVR Mortgage Finance, Inc. 56 6.25% $11,083
    MATTAMY HOME FUNDING, LLC 54 5.89% $11,913
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 50 5.63% $15,248
    PENNYMAC LOAN SERVICES, LLC 44 6.12% $14,675
    FBC MORTGAGE, LLC 43 5.70% $13,223
    Flagstar Bank, FSB 41 6.43% $14,912
    Equity Prime Mortgage LLC 35 6.79% $17,231
    ACOPIA, LLC 32 6.91% $15,533
    THE MORTGAGE FIRM, INC. 30 6.64% $12,358
    NEWREZ LLC 29 6.22% $13,983
    EVERETT FINANCIAL, INC. 29 6.69% $15,777
    BROKER SOLUTIONS, INC. 28 6.62% $14,601
    BAY EQUITY LLC 26 6.08% $13,878
    Century Mortgage Company DBA Century Lending Company 23 6.19% $17,499
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 23 6.41% $16,469
    AMERICAN PACIFIC MORTGAGE CORPORATION 23 6.55% $18,545
    NP, Inc. 22 6.34% $17,659
    ABSOLUTE HOME MORTGAGE CORPORATION 21 6.52% $17,038
    GUARANTEED RATE, INC. 20 6.20% $14,073
    The Loan Store, Inc. 19 6.14% $17,094
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 18 6.28% $14,572
    AMERICAN FINANCIAL NETWORK, INC. 17 6.71% $17,921
    South State Bank 17 6.21% $12,483
    PRIMARY RESIDENTIAL MORTGAGE, INC. 16 6.45% $18,186
    Carrington Mortgage Services, LLC 16 6.37% $18,504
    SWBC MORTGAGE CORPORATION 16 6.66% $9,850
    PLAZA HOME MORTGAGE, INC. 15 6.65% $16,375
    CARDINAL FINANCIAL 15 6.35% $13,914
    Cornerstone First Mortgage, Inc 14 6.59% $15,730
    PLANET HOME LENDING, LLC 14 6.47% $12,362
    PULTE MORTGAGE LLC 13 6.11% $9,219
    GUILD MORTGAGE COMPANY 13 6.37% $15,780
    SUN WEST MORTGAGE COMPANY, INC. 13 5.93% $19,194
    LAKEVIEW LOAN SERVICING, LLC 12 6.42% $11,315
    Northpointe Bank 12 6.09% $13,524
    Mr. Cooper ( Nationstar Mortgage ) 12 6.47% $17,664
    MOVEMENT MORTGAGE, LLC 11 6.39% $15,232
    VILLAGE CAPITAL MORTGAGE 11 6.39% $9,931
    GENEVA FINANCIAL, LLC 11 6.78% $12,673
    Plains Commerce Bank 11 6.38% $14,412
    JMAC LENDING, INC. 10 6.63% $14,289
    OCMBC, INC. 10 6.96% $16,367
    T2 FINANCIAL LLC 9 6.43% $15,165
    HOMEBRIDGE FINANCIAL SERVICES, INC. 9 6.07% $22,549
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 9 6.48% $11,943
    AMERICAN BANCSHARES MORTGAGE 8 6.33% $18,865
    EMM LOANS LLC 8 6.12% $18,013
    GUARANTEED RATE AFFINITY, LLC 8 6.56% $13,407
    Waterstone Mortgage Corporation 8 6.20% $15,400
    HOMESIDE FINANCIAL, LLC 7 6.73% $14,183
    AMERISAVE MORTGAGE CORPORATION 7 5.70% $17,488
    MID AMERICA MORTGAGE, INC. 7 7.07% $10,593
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 6 6.77% $16,315
    Lakeview Community Capital, LLC 6 6.23% $12,545
    Sierra Pacific Mortgage Company, Inc. 6 6.27% $20,015
    South Pacific Financial Corporation 6 5.46% $12,812
    JPMorgan Chase Bank 6 6.42% $7,683
    MICHIGAN MUTUAL, INC. 6 5.94% $15,382
    LOANPAL, LLC 6 5.71% $14,606
    PRIMELENDING, A PLAINSCAPITAL COMPANY 6 6.85% $13,588
    TOTAL MORTGAGE SERVICES, LLC 5 6.98% $17,487
    CMG MORTGAGE, INC. 5 5.75% $16,749
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 6.78% $13,593
    AmeriHome Mortgage Company, LLC 5 6.74% $8,550
    The Federal Savings Bank 5 6.35% $18,578
    COMPASS MORTGAGE, INC. 5 6.25% $17,105
    MUTUAL OF OMAHA MORTGAGE, INC. 4 6.22% $19,440
    FIRST COMMUNITY MORTGAGE, INC. 4 6.62% $13,266
    Prosperity Home Mortgage, LLC 4 5.91% $16,805
    AHL FUNDING 4 6.31% $19,826
    BAYSHORE MORTGAGE FUNDING, LLC 4 6.41% $15,084
    TOWNE MORTGAGE COMPANY 4 6.15% $13,907
    Hometown Equity Mortgage, LLC 4 6.56% $17,677
    Truist 4 6.18% $12,132
    Ixonia Bank 4 6.78% $12,892
    UNION HOME MORTGAGE CORP. 4 6.50% $13,521
    NATIONWIDE MORTGAGE BANKERS, INC. 4 6.47% $20,306
    U.S. Bank 4 6.63% $11,487
    MY MORTGAGE, INC. 4 7.13% $14,621
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.19% $14,324
    MORTGAGE EQUITY PARTNERS LLC 4 6.31% $15,612
    MILEND, INC. 3 5.71% $16,381
    DG PINNACLE FUNDING LLC 3 6.75% $23,965
    J. VIRGIL, INC. 3 6.50% $14,250
    UNITED MORTGAGE CORP 3 7.04% $23,060
    NFM, INC. 3 6.71% $14,644
    LADERA LENDING, INC. 3 5.38% $15,780
    SFMC, LP 3 6.50% $22,292
    READY MORTGAGE LENDERS, LLC 3 6.83% $20,225
    LEADERONE FINANCIAL CORPORATION 3 6.83% $10,915
    FIRST COLONY MORTGAGE CORPORATION 3 6.88% $17,960
    ZILLOW HOME LOANS, LLC 3 6.38% $12,454
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.42% $17,926
    HOMEOWNERS FINANCIAL GROUP USA, LLC 3 6.00% $18,755
    CASTLE & COOKE MORTGAGE, LLC 3 5.75% $18,645
    Residential Acceptance Corporation 3 7.42% $12,342
    ENVOY MORTGAGE, LTD 3 6.75% $12,138
    INSPIRE HOME LOANS INC. 3 5.88% $10,042
    INTELLILOAN, INC. 3 5.88% $10,277
    AMERICAN FINANCING CORPORATION 3 5.37% $17,570
    ROYAL UNITED MORTGAGE LLC 3 6.63% $11,114
    BAY CAPITAL MORTGAGE CORPORATION 2 6.38% $9,732
    ALKAN MORTGAGE CORPORATION 2 5.94% $17,895
    BELEM SERVICING LLC 2 6.62% $14,581
    CALCON MUTUAL MORTGAGE LLC 2 6.19% $19,551
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 7.00% $18,432
    City Lending Inc. 2 6.50% $21,079
    FIRST ALLIANCE HOME MORTGAGE, LLC 2 6.13% $16,217
    FIRST EQUITY MORTGAGE BANKERS, INC. 2 7.37% $13,183
    GREENTREE MORTGAGE COMPANY, L.P. 2 6.06% $10,654
    Home Mortgage Alliance Corp 2 6.44% $10,775
    Loan Simple, Inc. 2 7.06% $12,922
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 2 6.25% $15,405
    MLB RESIDENTIAL LENDING, LLC 2 6.12% $13,676
    MORIA DEVELOPMENT, INC. 2 6.94% $9,248
    NATIONS DIRECT MORTGAGE, LLC 2 6.19% $26,471
    Nations Lending Corporation 2 6.94% $6,892
    OPEN MORTGAGE, LLC 2 6.87% $17,531
    Regions Bank 2 6.81% $11,887
    Seacoast National Bank 2 6.75% $9,620
    SIRVA MORTGAGE, INC. 2 6.50% $8,251
    STOCKTON MORTGAGE CORPORATION 2 6.50% $14,963
    Strong Home Mortgage, LLC 2 6.00% $12,463
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.00% $19,382
    TOP FLITE FINANCIAL, INC. 2 7.00% $26,441
    US MORTGAGE CORPORATION 2 6.75% $14,175
    VAN DYK MORTGAGE CORPORATION 2 7.25% $15,362
    V.I.P. MORTGAGE, INC. 2 5.88% $14,671
    WATSON MORTGAGE CORP. 2 6.25% $11,310
    Wolfe Financial, Inc 2 7.13% $16,239
    PINNACLE MORTGAGE, INC. 1 6.50% $8,213
    Keystone Funding, Inc. 1 6.25% $24,962
    INTERCOASTAL MORTGAGE COMPANY 1 6.25% $10,492
    HOMESPIRE MORTGAGE CORPORATION 1 6.50% $15,044
    PNC Bank 1 6.63% $8,986
    POINT Mortgage 1 7.13% $18,498
    Premium Mortgage Corporation 1 6.75% $10,593
    HOME FINANCING CENTER, INC. 1 6.88% $37,737
    HARTFORD FUNDING, LTD. 1 5.75% $18,538
    Goldwater Bank, N.A. 1 6.25% $12,555
    Gateway First Bank 1 6.75% $9,946
    GARDNER FINANCIAL SERVICES, LTD. 1 6.75% $9,944
    RADIUS FINANCIAL GROUP INC. 1 6.99% $11,244
    First Option Mortgage, LLC 1 6.50% $7,771
    Arvest Bank 1 5.50% $14,138
    FAIRWAY FUNDING GROUP, INC. 1 6.13% $22,198
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 1 6.75% $12,823
    ARC HOME LLC 1 6.00% $21,729
    EMBRACE HOME LOANS, INC. 1 5.75% $16,134
    East Coast Capital Corp. 1 7.13% $15,952
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.50% $11,697
    DIRECT MORTGAGE LOANS, LLC 1 5.99% $17,079
    DATA MORTGAGE, INC. 1 7.25% $9,301
    SPACE COAST Credit Union 1 6.50% $16,986
    A&D Mortgage LLC 1 6.88% $22,944
    ALLIED MORTGAGE GROUP, INC. 1 5.25% $9,490
    VERITAS FUNDING, LLC 1 6.25% $13,765
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.00% $8,884
    City National Bank of Florida 1 6.13% $16,109
    Synovus Bank 1 5.75% $18,698
    Citizens Bank 1 6.63% $10,484
    Texana Bank 1 7.50% $18,265
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $15,306
    BETTER MORTGAGE CORPORATION 1 5.25% $10,609
    BECKAM FUNDING CORP. 1 7.25% $15,273
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.75% $17,563
    American Mortgage & Equity Consultants, Inc. 1 6.88% $13,465
    1ST 2ND MORTGAGE COMPANY OF N.J., INC. 1 6.13% $14,547
    Barrington Bank & Trust Company, N.A. 1 5.75% $12,659
    Bank of America 1 6.25% $15,289
    NEW DAY FINANCIAL, LLC 1 7.99% $9,038
    Mortgage Research Center, LLC 1 5.75% $19,077
    NJ LENDERS CORP. 1 6.99% $10,030
    MORTGAGEONE, INC. 1 6.00% $15,861
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $14,842
    Mortgage Lenders Investment Trading Corporation 1 8.25% $9,393
    Mortgage Assurance Inc. 1 6.50% $14,694
    OCEANSIDE MORTGAGE COMPANY 1 5.75% $8,732
    MJW Financial LLC 1 5.75% $14,355
    AXIA FINANCIAL, LLC 1 6.99% $7,874
    Magnolia Bank 1 6.75% $5,110
    LIBERTY HOME MORTGAGE CORPORATION 1 6.63% $12,400
    PHH Mortgage Corporation 1 6.13% $21,132

    The top Port St. Lucie FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 523 FHA loans originated. Their average total fees are $16,327, which is $3,727 higher than the next largest lender, LOANDEPOT.COM, LLC.

    The lowest fee Port St. Lucie FHA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC ($9,219), SWBC MORTGAGE CORPORATION ($9,850), VILLAGE CAPITAL MORTGAGE ($9,931), DHI MORTGAGE COMPANY, LTD. ($10,681) and NVR Mortgage Finance, Inc. ($11,083).

    The lowest rate Port St. Lucie FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.89%), DHI MORTGAGE COMPANY, LTD. (5.12%), K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.63%), FBC MORTGAGE, LLC (5.70%) and MATTAMY HOME FUNDING, LLC (5.89%).

    Port St. Lucie FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    PORT ST. LUCIE, FL MARTIN 2022 $431,250 $552,050 $667,350 $829,350
    PORT ST. LUCIE, FL ST. LUCIE 2022 $431,250 $552,050 $667,350 $829,350
    PORT ST. LUCIE, FL MARTIN 2023 $500,250 $640,400 $774,100 $962,050
    PORT ST. LUCIE, FL ST. LUCIE 2023 $500,250 $640,400 $774,100 $962,050

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).