State rate guide
Best loan rates in Florida
36 lenders with published rates lend in Florida. Every figure below is a lender-published rate tracked by LoanMate.ai and verified October 16, 2026. The lowest published 30-year fixed purchase rate available in Florida is 6.5% from Veterans United Home Loans, versus a national median of 7%.
Lowest published rates in Florida
| Product | Best rate | Lender | National median |
|---|---|---|---|
| 30-year fixed | 6.5% | Veterans United Home Loans | 7% |
| 15-year fixed | 5.875% | Veterans United Home Loans | 6.625% |
| 20-year fixed | 6.5% | Veterans United Home Loans | 6.75% |
| 30-year fixed refinance | 6.375% | AmeriSave Mortgage | 7% |
| 5/1 ARM | 5.99% | Rocket Mortgage | 5.933% |
| HELOC | 6% | Tropical Financial Credit Union | 7% |
| Fixed home equity loan | 7.25% | PenAir Credit Union | 6.99% |
| New auto loan · 60 months | 5.49% | Alliant Credit Union | 5.49% |
| Used auto loan · 60 months | 5.84% | Alliant Credit Union | 6.25% |
| Unsecured personal loan · 36 months | 9.19% | PNC Bank | 11.165% |
| Unsecured personal loan · 60 months | 7.99% | TD Bank | 11.25% |
Lenders lending in Florida
| Lender | Type | Products tracked | Lowest published rate |
|---|---|---|---|
| Regions Bank | Bank | 2 | 3.99% (HELOC · INTRO) |
| Members First Credit Union of Florida | Lender | 2 | 4.49% (New auto loan) |
| Eglin Federal Credit Union | Lender | 1 | 4.74% (New auto loan) |
| PenAir Credit Union | Lender | 4 | 4.74% (New auto loan) |
| Fifth Third Bank | Bank | 4 | 4.99% (HELOC · INTRO) |
| GTE Financial | Lender | 1 | 4.99% (New auto loan) |
| Tampa Bay Federal Credit Union | Lender | 1 | 4.99% (Used auto loan · 84 months) |
| Achieva Credit Union | Lender | 1 | 5% (New auto loan) |
| Community First Credit Union of Florida | Lender | 1 | 5.05% (New auto loan) |
| MIDFLORIDA Credit Union | Lender | 2 | 5.24% (New auto loan) |
| Alliant Credit Union | Credit union | 11 | 5.49% (New auto loan · 60 months) |
| BMO Bank | Bank | 3 | 5.49% (HELOC · INTRO) |
| PNC Bank | Bank | 6 | 5.74% (HELOC · INTRO) |
| Veterans United Home Loans | Lender | 4 | 5.875% (15-year fixed) |
| Rocket Mortgage | Lender | 3 | 5.99% (15-year fixed) |
| Florida Central Credit Union | Lender | 1 | 6% (HELOC · INTRO) |
| NASA Federal Credit Union | Credit union | 7 | 6% (Fixed home equity · 5YR) |
| Tropical Financial Credit Union | Lender | 4 | 6% (5/6 ARM) |
| Space Coast Credit Union | Lender | 3 | 6.125% (10-year fixed) |
| Chase | Bank | 4 | 6.24% (Used auto loan) |
| AmeriSave Mortgage | Lender | 1 | 6.375% (30-year fixed refinance) |
| Addition Financial Credit Union | Lender | 3 | 6.5% (10-year fixed) |
| Citizens Bank | Bank | 2 | 6.625% (15-year fixed) |
| Wells Fargo | Bank | 2 | 6.74% (Unsecured personal loan) |
| U.S. Bank | Bank | 2 | 6.81% (New auto loan · 60 months) |
| Consumers Credit Union | Credit union | 2 | 6.875% (30-year fixed) |
| PenFed Credit Union | Credit union | 1 | 7% (HELOC) |
| Trustco Bank | Lender | 1 | 7.12% (30-year fixed) |
| Figure | Lender | 1 | 7.25% (HELOC) |
| Seacoast Bank | Lender | 1 | 7.375% (30-year fixed) |
| Flagstar Bank | Bank | 1 | 7.49% (HELOC) |
| New American Funding | Lender | 1 | 7.5% (30-year fixed refinance) |
| LightStream | Lender | 1 | 7.74% (New auto loan) |
| TD Bank | Bank | 3 | 7.99% (Unsecured personal loan) |
| Guaranteed Rate | Lender | 1 | 8.65% (HELOC) |
| Prosper | Lender | 1 | 8.99% (Unsecured personal loan) |
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