DIGITAL
3,877 mortgages originated in 2025 across 11 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
- 3,877
- Median rate
- 7.740%
- Median lender fees
- $850
- Median loan amount
- $155,000
- Median spread over APOR
- 0.540
- Paid discount points
- 8.6%
- Received lender credits
- 18.3%
- Purchases / refinances
- 18.4% / 28.4%
- 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 45.6% of loans here — see methodology.
Where DIGITAL lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Massachusetts | 1,769 | $300 | 7.750% |
| New Hampshire | 651 | $300 | 7.740% |
| Georgia | 184 | $2,681 | 7.745% |
| New Jersey | 153 | $3,548 | 7.500% |
| California | 148 | $1,693 | 7.740% |
| Florida | 94 | — | 7.500% |
| Texas | 89 | $1,030 | 6.750% |
| Virginia | 64 | — | 7.500% |
| Illinois | 52 | — | 7.750% |
| Pennsylvania | 51 | — | 7.500% |
| Colorado | 50 | — | 7.750% |