APR.net

Click n' Close, Inc.

10,736 mortgages originated in 2025 across 28 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
10,736
Median rate
6.875%
Median lender fees
$5,135
Median loan amount
$225,000
Median spread over APOR
2.250
Paid discount points
48%
Received lender credits
0%
Purchases / refinances
91.9% / 8.1%
Conventional / FHA / VA
43.6% / 46.3% / 5.1%
Across all lenders nationally in 2025, the median rate was 6.625% and median lender fees were $5,786 on 6,807,732 originations. Fee levels differ with the mix of loans a lender makes — purchase against refinance, conventional against government-backed — as well as with what it charges.

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 99.2% of loans here — see methodology.

Where Click n' Close, Inc. lent

States with at least 50 loans in 2025, ranked by volume.

State Loans Median fees Median rate
Florida 2,049 $6,732 7.250%
Texas 1,245 $6,820 6.875%
Arizona 1,032 $4,809 6.990%
Ohio 780 $5,029 6.750%
Arkansas 515 $4,081 6.250%
Missouri 431 $3,932 6.500%
North Carolina 399 $4,094 6.875%
Tennessee 377 $5,532 6.875%
Georgia 377 $5,843 7.000%
New Mexico 339 $4,266 6.500%
Louisiana 286 $6,137 6.750%
Oklahoma 243 $4,921 6.500%
Indiana 241 $2,837 7.125%
Washington 231 $6,859 6.750%
California 203 $7,263 6.750%
Nevada 166 $4,861 7.000%
Kentucky 160 $3,667 7.000%
Kansas 153 $4,532 6.625%
South Carolina 149 $5,112 7.000%
Colorado 148 $3,778 6.500%
Michigan 132 $4,569 6.750%
Virginia 113 $6,502 7.125%
Alabama 112 $4,256 6.990%
Illinois 111 $5,961 6.875%
Maryland 93 $8,087 7.125%
Minnesota 73 $4,671 6.990%
Pennsylvania 67 $7,793 7.125%
Oregon 53 $5,841 6.438%