21st Mortgage Corporation
28,058 mortgages originated in 2025 across 40 states, and what they cost borrowers.
30-year fixed, this week
7.32%
Freddie Mac's survey average for the week of October 22, 2026 — a year earlier it was 6.27%, and the past year ranged 5.98–7.40%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 28,058
- Median rate
- 10.070%
- Median lender fees
- $6,708
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $105,000
- Above the going rate (spread over APOR)
- 4.416
- Paid discount points
- 0%
- Received lender credits
- 17.7%
- Purchases / refinances
- 98% / 1.3%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 21.1% of loans here — see methodology.
Where 21st Mortgage Corporation lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 6,763 | $7,308 | 9.940% |
| Florida | 2,098 | $6,789 | 9.610% |
| Michigan | 1,623 | — | 11.040% |
| Alabama | 1,274 | $6,213 | 9.980% |
| California | 1,262 | — | 10.015% |
| Georgia | 1,218 | $6,810 | 9.730% |
| South Carolina | 1,207 | $6,713 | 10.410% |
| Louisiana | 1,097 | $6,455 | 10.100% |
| Mississippi | 1,068 | $6,687 | 10.560% |
| Oklahoma | 888 | $6,994 | 9.825% |
| North Carolina | 810 | $6,852 | 10.150% |
| New Mexico | 783 | $6,832 | 9.600% |
| Tennessee | 648 | $6,347 | 9.585% |
| Ohio | 647 | — | 10.250% |
| Arkansas | 631 | $6,028 | 9.690% |
| Kentucky | 505 | $6,188 | 9.950% |
| Arizona | 488 | $6,524 | 9.590% |
| Indiana | 468 | — | 10.750% |
| Pennsylvania | 443 | — | 10.890% |
| Missouri | 421 | $5,729 | 10.130% |
| New York | 373 | $7,076 | 9.920% |
| Colorado | 344 | — | 10.245% |
| Iowa | 268 | — | 11.070% |
| Illinois | 256 | — | 11.115% |
| Minnesota | 244 | — | 10.775% |
| Nevada | 237 | — | 10.660% |
| Oregon | 204 | — | 10.170% |
| Washington | 161 | — | 10.030% |
| Virginia | 161 | — | 9.550% |
| West Virginia | 157 | — | 10.140% |
| Utah | 146 | — | 10.305% |
| Wisconsin | 146 | — | 11.000% |
| New Jersey | 139 | — | 10.230% |
| Maryland | 126 | — | 10.355% |
| Nebraska | 123 | — | 10.220% |
| North Dakota | 108 | — | 11.100% |
| Kansas | 91 | — | 9.890% |
| Montana | 83 | — | 10.300% |
| Idaho | 81 | — | 10.680% |
| Wyoming | 53 | — | 10.110% |