Cliffco, Inc.
1,200 mortgages originated in 2025 across 3 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,200
- Median rate
- 6.750%
- Median lender fees
- $9,668
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $515,000
- Above the going rate (spread over APOR)
- 0.506
- Paid discount points
- 47.6%
- Received lender credits
- 17.8%
- Purchases / refinances
- 81% / 19%
- Conventional / FHA / VA
- 82.7% / 15.3% / 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 85.2% of loans here — see methodology.
Where Cliffco, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 842 | $10,185 | 6.750% |
| Florida | 112 | $10,829 | 6.624% |
| New Jersey | 84 | $9,554 | 7.125% |