GMFS LLC
2,960 mortgages originated in 2025 across 4 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
- 2,960
- Median rate
- 6.500%
- Median lender fees
- $4,716
- Median loan amount
- $265,000
- Median spread over APOR
- 0.222
- Paid discount points
- 55.1%
- Received lender credits
- 32.2%
- Purchases / refinances
- 75.1% / 24.7%
- Conventional / FHA / VA
- 60% / 27.2% / 4.8%
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 91.8% of loans here — see methodology.
Where GMFS LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Louisiana | 2,035 | $4,608 | 6.500% |
| Alabama | 423 | $4,695 | 6.375% |
| Mississippi | 214 | $5,017 | 6.625% |
| Georgia | 96 | $5,400 | 6.625% |