EMET LENDING GROUP, INC.
1,364 mortgages originated in 2025 across 5 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
- 1,364
- Median rate
- 7.000%
- Median lender fees
- $10,819
- Median loan amount
- $495,000
- Median spread over APOR
- 0.624
- Paid discount points
- 9.2%
- Received lender credits
- 40%
- Purchases / refinances
- 71% / 29%
- Conventional / FHA / VA
- 98% / 2% / 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 84.7% of loans here — see methodology.
Where EMET LENDING GROUP, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 758 | $12,268 | 7.000% |
| Texas | 212 | $10,968 | 6.875% |
| Virginia | 184 | $8,552 | 6.875% |
| Maryland | 89 | $9,635 | 7.125% |
| Georgia | 59 | — | 6.875% |