Charles Schwab Bank, SSB
6,065 mortgages originated in 2025 across 24 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
- 6,065
- Median rate
- 5.575%
- Median lender fees
- $5,052
- Median loan amount
- $865,000
- Median spread over APOR
- -0.186
- Paid discount points
- 7.1%
- Received lender credits
- 0.9%
- Purchases / refinances
- 65.2% / 25.7%
- 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 84.8% of loans here — see methodology.
Where Charles Schwab Bank, SSB lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,748 | $4,857 | 5.500% |
| Florida | 485 | $6,058 | 5.550% |
| Texas | 359 | $6,350 | 5.500% |
| Colorado | 314 | $3,695 | 5.600% |
| Washington | 265 | $4,652 | 5.500% |
| Arizona | 233 | $5,589 | 5.625% |
| Illinois | 200 | $6,454 | 5.625% |
| New York | 192 | $5,466 | 5.625% |
| New Jersey | 178 | $6,453 | 5.775% |
| North Carolina | 172 | $3,918 | 5.625% |
| Massachusetts | 168 | $5,443 | 5.500% |
| Georgia | 146 | $4,965 | 5.750% |
| Virginia | 132 | $5,118 | 5.625% |
| Nevada | 114 | $5,097 | 5.625% |
| South Carolina | 105 | $4,667 | 5.625% |
| Tennessee | 101 | $4,675 | 5.500% |
| Oregon | 97 | $5,679 | 5.500% |
| Maryland | 93 | $5,268 | 5.675% |
| Connecticut | 92 | $6,236 | 5.588% |
| Pennsylvania | 92 | $6,573 | 5.725% |
| Utah | 84 | $4,481 | 5.375% |
| Michigan | 61 | $3,951 | 5.750% |
| Ohio | 59 | — | 5.725% |
| Minnesota | 57 | — | 5.800% |