General Mortgage Capital Corporation
4,489 mortgages originated in 2025 across 16 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
- 4,489
- Median rate
- 6.500%
- Median lender fees
- $5,298
- Median loan amount
- $445,000
- Median spread over APOR
- 0.083
- Paid discount points
- 25.2%
- Received lender credits
- 36.7%
- Purchases / refinances
- 64.2% / 35.8%
- 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 79.6% of loans here — see methodology.
Where General Mortgage Capital Corporation lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,623 | $5,873 | 6.500% |
| Washington | 364 | $4,411 | 6.250% |
| Texas | 314 | $6,230 | 6.562% |
| Georgia | 307 | $5,983 | 6.500% |
| Massachusetts | 300 | $5,227 | 6.375% |
| North Carolina | 289 | $4,077 | 6.500% |
| New York | 229 | $8,808 | 6.500% |
| Florida | 142 | $5,889 | 6.625% |
| New Jersey | 123 | $5,567 | 6.250% |
| Ohio | 104 | $4,418 | 6.875% |
| Pennsylvania | 79 | — | 6.624% |
| Nevada | 67 | $5,428 | 6.625% |
| Illinois | 66 | $6,152 | 6.500% |
| South Carolina | 65 | — | 6.625% |
| Virginia | 65 | $4,395 | 6.375% |
| Hawaii | 59 | — | 6.625% |