Naples, Florida Mortgage Rates

    Up-to-date statistics for the Naples, FL mortgage rates, refreshed three times a day. Each row shows the latest reading, monthly and 1-year change, and a 13-month trend. Click charts to make them bigger.

    Mortgage Rate Benchmarks for Naples, Florida Buyers

    30-Year FHA

    6.87%
    −0.31 ppmo+0.83 ppyr

    30-Year Conforming (LTV ≤ 80%; FICO ≥ 740)

    6.96%
    −0.35 ppmo+0.84 ppyr

    30-Year Fixed (Freddie)

    7.18%
    −0.22 ppmo+0.97 ppyr

    30-Year Jumbo

    7.09%
    −0.35 ppmo+0.74 ppyr

    Adjustable Rate Mortgage (ARM)

    6.64%
    −0.29 ppmo+0.47 ppyr

    Prime Rate

    7.00%
    0.00 ppmo+0.25 ppyr

    LTV means loan-to-value ratio. FICO refers to a credit score. ARM = adjustable rate mortgage. “pp” = percentage points (not percentage change).

    Last updated: Nov 10, 2026, 5:01 PM ET. Market data for reference only; not a rate offer. Source.

    How to Read These Mortgage Rates

    Each row is a published national benchmark, not a rate quote. “Latest” is the most recent reading. “Δ Month” and “Δ Year” show how far that reading has moved, in percentage points, over the past month and year. The small chart shows the last 13 months.

    • A change of +0.25 pp means the rate rose by a quarter of a percentage point (for example, from 6.75% to 7.00%).
    • Click any chart to see a larger version.
    • Every series links to its original source under “Source.”

    Mortgage Rate Benchmarks and Trends

    Different benchmarks track different kinds of loans. The 30-year fixed average from Freddie Mac reflects a weekly lender survey. The FHA, conforming and jumbo indexes reflect daily locked-rate data. The ARM figure is an average adjustable-rate reading, and the Prime Rate is the base rate banks use for many variable-rate products.

    Looking at several benchmarks together shows the overall direction of the market. When most rows move the same way, borrowing costs are generally shifting across loan types.

    What These Benchmarks Mean for Naples Buyers

    Benchmarks are a starting point, not the rate you will be offered. Your actual rate depends on your credit, down payment, loan amount, property type, occupancy (primary, second home or investment) and the loan program.

    Naples has many second homes, luxury properties and buyers with non-traditional income. These loans are often priced differently from the national averages. A quick quote based on your own situation is the best way to compare options.

    Common Mortgage Rate Questions

    Are these the rates Huli Financial offers?
    No. These are third-party market benchmarks for reference only. They are not an offer or commitment to lend. Your rate depends on your loan and your qualifications.
    How often is this page updated?
    The page checks for new data three times a day. Each source publishes on its own schedule (daily or weekly), so some rows change less often than others.
    What does “pp” mean?
    “pp” means percentage points. A move from 6.50% to 6.75% is +0.25 pp, which is not the same as a 0.25% change.
    What is a conforming loan?
    A conforming loan is within the size limits and guidelines set for loans purchased by Fannie Mae and Freddie Mac. The benchmark shown here assumes a loan-to-value ratio of 80% or less and a FICO score of 740 or higher.
    What is the difference between a jumbo and a conforming loan?
    A jumbo loan is larger than the conforming loan limit. Jumbo loans are common in high-value markets such as Naples, and their pricing and requirements can differ from conforming loans.
    How can I find out my own rate?
    Request a quick quote. We will look at your goals, credit and property and show you the programs that fit.