Alcova Mortgage LLC
6,192 mortgages originated in 2025 across 11 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,192
- Median rate
- 6.625%
- Median lender fees
- $4,866
- Median loan amount
- $265,000
- Median spread over APOR
- 0.350
- Paid discount points
- 40.7%
- Received lender credits
- 15%
- Purchases / refinances
- 86.8% / 13.2%
- Conventional / FHA / VA
- 58.3% / 25.9% / 9%
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 94.3% of loans here — see methodology.
Where Alcova Mortgage LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 2,663 | $4,525 | 6.625% |
| North Carolina | 1,682 | $5,201 | 6.625% |
| South Carolina | 399 | $5,108 | 6.625% |
| West Virginia | 255 | $4,449 | 6.750% |
| Maryland | 238 | $4,186 | 6.625% |
| Georgia | 219 | $5,347 | 6.625% |
| Pennsylvania | 168 | $5,520 | 6.750% |
| Florida | 158 | $5,649 | 6.625% |
| Ohio | 144 | $5,410 | 6.750% |
| Texas | 123 | $9,124 | 6.500% |
| Tennessee | 74 | $4,788 | 6.562% |