ELEVATIONS
2,961 mortgages originated in 2025 across one state, 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
- 2,961
- Median rate
- 6.875%
- Median lender fees
- $3,458
- Median loan amount
- $315,000
- Median spread over APOR
- 0.370
- Paid discount points
- 27.7%
- Received lender credits
- 32.1%
- Purchases / refinances
- 50% / 48.8%
- Conventional / FHA / VA
- 96.8% / 2% / 1.3%
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 62.6% of loans here — see methodology.
Where ELEVATIONS lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Colorado | 2,961 | $3,458 | 6.875% |