Granite Bank
2,598 mortgages originated in 2025 across 9 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
- 2,598
- Median rate
- 6.500%
- Median lender fees
- $6,300
- Median loan amount
- $275,000
- Median spread over APOR
- 0.322
- Paid discount points
- 56.9%
- Received lender credits
- 49.8%
- Purchases / refinances
- 90.5% / 8.3%
- Conventional / FHA / VA
- 69.3% / 20.8% / 8.5%
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 95% of loans here — see methodology.
Where Granite Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Minnesota | 1,395 | $6,091 | 6.625% |
| South Dakota | 229 | $5,743 | 6.250% |
| Texas | 149 | $6,858 | 6.490% |
| North Dakota | 136 | $6,987 | 6.500% |
| Wisconsin | 119 | $4,969 | 6.500% |
| Arizona | 105 | $9,208 | 6.625% |
| Florida | 79 | $8,752 | 6.625% |
| Colorado | 72 | $5,894 | 6.500% |
| Iowa | 55 | $5,781 | 6.990% |