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    Home state: Florida
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    SUNCOAST mortgage rates

    SUNCOAST's lowest publicly advertised 30-year fixed rate today is 6.511% APR — the national average is 7.147%. That's about $61,074 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read SUNCOAST's rates every weekday, starting around 11 a.m. Central.

    We last read SUNCOAST's rates page on Nov 2, 2026.

    Today's rates from SUNCOAST

    ProductRateAPRPointsWe readSource
    3 Year ARM5.875%6.915%—Nov 2, 2026Visit
    5 Year ARM6.25%6.947%—Nov 2, 2026Visit
    10 Year ARM6.5%6.689%—Nov 2, 2026Visit
    30 Year Fixed Jumbo6.625%6.64%—Nov 2, 2026Visit
    10 Year Fixed — heroes program6.5%6.524%—Nov 2, 2026Visit
    15 Year Fixed — heroes program6.5%6.517%—Nov 2, 2026Visit
    20 Year Fixed — heroes program6.5%6.514%—Nov 2, 2026Visit
    30 Year Fixed — heroes program6.5%6.511%—Nov 2, 2026Visit
    7 Year ARM — heroes program6.25%6.62%—Nov 2, 2026Visit
    Visit SUNCOAST's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join SUNCOAST

    Membership is open to anyone who lives, works, worships, or attends school in 38 Florida counties: Alachua, Brevard, Broward, Charlotte, Citrus, Clay, Collier, DeSoto, Dixie, Duval, Gilchrist, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Indian River, Lake, Lee, Leon, Levy, Manatee, Marion, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, and Volusia. Immediate family of current members and alumni of Florida College are also eligible.

    Association / SEG
    Florida College alumni
    Family of a member
    immediate family of member
    County
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    Where SUNCOAST writes mortgages

    SUNCOAST publishes mortgage lending in 1 state.

    Florida

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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