FREEDOM MORTGAGE CORPORATION
69,982 mortgages originated in 2025 across 51 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
- 69,982
- Median rate
- 6.250%
- Median lender fees
- $6,945
- Median loan amount
- $315,000
- Median spread over APOR
- 0.093
- Paid discount points
- 37.5%
- Received lender credits
- 68.2%
- Purchases / refinances
- 15.5% / 83.9%
- Conventional / FHA / VA
- 10.8% / 39.5% / 49.7%
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 99.1% of loans here — see methodology.
Where FREEDOM MORTGAGE CORPORATION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 5,759 | $7,137 | 6.250% |
| Florida | 5,374 | $8,962 | 6.250% |
| North Carolina | 4,463 | $5,925 | 6.125% |
| Georgia | 3,946 | $7,017 | 6.250% |
| California | 3,918 | $8,654 | 6.125% |
| Virginia | 3,646 | $6,907 | 6.250% |
| Indiana | 2,580 | $5,774 | 6.250% |
| Ohio | 2,477 | $5,873 | 6.250% |
| Tennessee | 2,436 | $6,856 | 6.250% |
| South Carolina | 2,168 | $5,662 | 6.250% |
| Maryland | 2,128 | $7,678 | 6.250% |
| Arizona | 2,123 | $6,486 | 6.000% |
| Missouri | 1,814 | $4,672 | 6.250% |
| Pennsylvania | 1,673 | $8,397 | 6.250% |
| Alabama | 1,669 | $5,666 | 6.250% |
| Colorado | 1,594 | $7,012 | 5.875% |
| Illinois | 1,573 | $6,321 | 6.250% |
| Washington | 1,518 | $7,601 | 6.000% |
| Michigan | 1,463 | $5,559 | 6.250% |
| New Jersey | 1,432 | $10,162 | 6.250% |
| Kentucky | 1,270 | $5,613 | 6.250% |
| Nevada | 1,108 | $6,710 | 6.125% |
| Louisiana | 1,040 | $5,965 | 6.250% |
| Wisconsin | 918 | $5,841 | 6.250% |
| Oklahoma | 846 | $5,950 | 6.250% |
| Massachusetts | 792 | $9,979 | 6.250% |
| Minnesota | 765 | $6,849 | 6.250% |
| Utah | 726 | $8,148 | 6.125% |
| Oregon | 712 | $8,787 | 6.125% |
| Kansas | 697 | $5,250 | 6.250% |
| Mississippi | 694 | $4,368 | 6.250% |
| Arkansas | 675 | $5,309 | 6.250% |
| Connecticut | 586 | $8,232 | 6.250% |
| New York | 531 | $11,721 | 6.750% |
| Hawaii | 516 | $13,746 | 5.750% |
| New Mexico | 491 | $7,078 | 6.250% |
| Idaho | 432 | $7,840 | 6.063% |
| Nebraska | 419 | $5,987 | 6.250% |
| Maine | 346 | $5,932 | 6.250% |
| Iowa | 338 | $5,486 | 6.250% |
| Delaware | 332 | $9,140 | 6.188% |
| Montana | 331 | $6,253 | 6.000% |
| New Hampshire | 316 | $7,762 | 6.250% |
| West Virginia | 293 | $5,868 | 6.250% |
| Wyoming | 242 | $7,037 | 6.188% |
| Rhode Island | 211 | $8,164 | 6.250% |
| Alaska | 170 | $6,970 | 5.875% |
| South Dakota | 162 | $4,884 | 6.000% |
| Vermont | 99 | $6,177 | 6.250% |
| North Dakota | 89 | $6,479 | 6.250% |
| District of Columbia | 81 | $7,558 | 5.875% |