Mortgage Loans in St Petersburg, FL

Looking to refinance your home in St Petersburg, FL? Compare the best mortgage refinance rates tailored for local homeowners and find options that fit your budget and goals. A smarter refinance starts with knowing your choices.

Our friendly experts understand the St Petersburg market and can guide you through simple, clear offers. Discover how easy it is to lower your monthly payments or tap into your home’s equity with a refinance designed just for you.

PurchaseRefinanceData Analysis

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Loan Type
Lender
Loan Type
Rate
APR
Term
Link
Info
midflorida
Conv
6.24 %
6.426 %
30 Yrs
∞
penfed
Conv
6.25 %
6.434 %
30 Yrs
∞

Today’s Mortgage Rates & Analysis - Updated on 2026-AUG-28

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Midflorida shows a 30-year conventional fixed rate today at 6.5%. This rate has increased by 13 bp over the past 30 days. The 30-year conventional fixed rate for refinances is 6.24%. Pentagon offers a 30-year Conventional Fixed at 6.25% and a 30-year Conventional Refi at 6.125%, down 13 bp from a week ago but up 13 bp from 30 days ago. Their 30-year FHA and VA Fixed rates are both 5.75%, with FHA up 13 bp from a week ago. The Jumbo 30-year Fixed rate is steady at 6.25%.

Market Indicators - Data & Insights:

Today, Zillow's 30-year mortgage rate is 6.465%, slightly higher than Freddie Mac's 30-year rate at 6.650%. Zillow's 30-year rate is also higher than it was 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.

🏦 Local Lenders in St Petersburg, FL

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🏘️ All the Lenders Available in Pinellas County, FL

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Why compare Mortgage Loans in St Petersburg, FL on LendMesh

If you’re looking for the best refinance rates in St Petersburg, FL, it’s worth exploring multiple lenders on LendMesh to uncover better deals and more affordable options. Taking the time to compare offers can help you find terms that fit your financial goals without feeling rushed or pressured. Keep checking back as rates can change, and the right loan might be just a few clicks away.

Stay informed effortlessly by subscribing to LendMesh’s personalized alerts. Simply set your target rate—whether 4% or 5%—and receive notifications as soon as offers dip below your ideal threshold. You’ll also get weekly or monthly updates filled with expert insights, rate trends, and carefully selected loan deals, all tailored for borrowers in St Petersburg. Join thousands who trust LendMesh to stay ahead and make smarter refinancing decisions.

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