BankPlus
2,733 mortgages originated in 2025 across 4 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
- 2,733
- Median rate
- 6.625%
- Median lender fees
- $3,651
- Median loan amount
- $195,000
- Median spread over APOR
- 0.040
- Paid discount points
- 7.6%
- Received lender credits
- 2.3%
- Purchases / refinances
- 50% / 30.6%
- Conventional / FHA / VA
- 93.3% / 4.5% / 2.1%
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 48.6% of loans here — see methodology.
Where BankPlus lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Mississippi | 1,973 | $3,454 | 6.500% |
| Alabama | 311 | $3,714 | 6.500% |
| Louisiana | 282 | $3,854 | 7.500% |
| Florida | 109 | $6,109 | 6.500% |