Bank of America, National Association
88,530 mortgages originated in 2025 across 48 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
- 88,530
- Median rate
- 6.000%
- Median lender fees
- $4,774
- Median loan amount
- $205,000
- Median spread over APOR
- 0.825
- Paid discount points
- 17.5%
- Received lender credits
- 16.2%
- Purchases / refinances
- 30.3% / 22.7%
- Conventional / FHA / VA
- 99.5% / 0.4% / 0.1%
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 33.9% of loans here — see methodology.
Where Bank of America, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 17,758 | $5,121 | 5.990% |
| Florida | 7,938 | $5,591 | 6.240% |
| Texas | 6,141 | $4,411 | 6.240% |
| New Jersey | 5,136 | $6,115 | 6.000% |
| North Carolina | 4,880 | $4,169 | 6.240% |
| New York | 3,897 | $5,892 | 5.990% |
| Massachusetts | 3,551 | $5,223 | 5.990% |
| Georgia | 3,440 | $4,649 | 6.240% |
| Washington | 3,420 | $5,174 | 5.990% |
| Illinois | 2,889 | $4,443 | 5.990% |
| Virginia | 2,688 | $4,665 | 6.240% |
| Arizona | 2,582 | $5,033 | 6.240% |
| Maryland | 2,255 | $4,633 | 6.240% |
| South Carolina | 2,119 | $4,361 | 6.240% |
| Connecticut | 2,061 | $5,492 | 6.000% |
| Michigan | 1,939 | $2,787 | 5.990% |
| Pennsylvania | 1,841 | $5,397 | 5.990% |
| Missouri | 1,520 | $2,889 | 6.240% |
| Tennessee | 1,499 | $4,347 | 5.990% |
| Nevada | 1,233 | $4,570 | 6.240% |
| Oregon | 1,044 | $4,658 | 6.240% |
| Colorado | 965 | $4,116 | 5.990% |
| Ohio | 810 | $3,744 | 5.990% |
| Kansas | 578 | $2,896 | 6.240% |
| Minnesota | 533 | $3,881 | 6.000% |
| Oklahoma | 502 | $3,434 | 6.240% |
| New Hampshire | 483 | $4,478 | 5.990% |
| Indiana | 450 | $2,878 | 5.990% |
| Rhode Island | 432 | $4,854 | 6.240% |
| Arkansas | 384 | $3,644 | 6.250% |
| New Mexico | 356 | $3,418 | 6.250% |
| Delaware | 338 | $4,892 | 6.240% |
| Alabama | 320 | $3,572 | 6.240% |
| Maine | 283 | $4,113 | 6.125% |
| Utah | 258 | $5,349 | 5.990% |
| Kentucky | 255 | $3,316 | 6.250% |
| District of Columbia | 249 | $6,656 | 5.990% |
| Wisconsin | 249 | $3,317 | 6.240% |
| Louisiana | 219 | $4,800 | 6.240% |
| Idaho | 204 | $5,156 | 6.063% |
| Iowa | 160 | $2,791 | 6.240% |
| Montana | 115 | $4,264 | 6.000% |
| Nebraska | 103 | — | 5.990% |
| Mississippi | 98 | — | 6.240% |
| Vermont | 87 | $5,824 | 6.000% |
| West Virginia | 75 | — | 6.490% |
| Alaska | 62 | — | 6.313% |
| Hawaii | 54 | — | 5.990% |