FM Home Loans, LLC
1,846 mortgages originated in 2025 across 6 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
- 1,846
- Median rate
- 6.990%
- Median lender fees
- $6,438
- Median loan amount
- $575,000
- Median spread over APOR
- 0.496
- Paid discount points
- 16.5%
- Received lender credits
- 9%
- Purchases / refinances
- 61.5% / 38.4%
- Conventional / FHA / VA
- 98.2% / 1.8% / 0.1%
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 54.6% of loans here — see methodology.
Where FM Home Loans, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 882 | $6,712 | 6.875% |
| New Jersey | 526 | $5,986 | 6.990% |
| Florida | 179 | $7,579 | 6.990% |
| Louisiana | 63 | — | 7.490% |
| Connecticut | 59 | — | 6.990% |
| Texas | 51 | — | 7.375% |