CAKE MORTGAGE CORP.
3,122 mortgages originated in 2025 across 5 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
- 3,122
- Median rate
- 7.500%
- Median lender fees
- $14,864
- Median loan amount
- $615,000
- Median spread over APOR
- 1.228
- Paid discount points
- 32.9%
- Received lender credits
- 55.3%
- Purchases / refinances
- 47.1% / 52.9%
- Conventional / FHA / VA
- 98.9% / 1% / 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 81.9% of loans here — see methodology.
Where CAKE MORTGAGE CORP. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 2,354 | $15,530 | 7.625% |
| Florida | 223 | $17,157 | 7.625% |
| Texas | 92 | $13,030 | 7.688% |
| Arizona | 81 | — | 7.500% |
| Nevada | 64 | — | 7.375% |