GUARANTEED RATE, INC.

70,579 mortgages originated in 2025 across 51 states, and what they cost borrowers.

Loans originated

70,579

Median rate

6.575%

Median lender fees

$6,340

Median loan amount

$345,000

Median spread over APOR

0.211

Paid discount points

37.8%

Received lender credits

27.2%

Purchases / refinances

76% / 18.5%

Conventional / FHA / VA

74.8% / 15.1% / 9.6%

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 77.2% of loans here — see methodology.

Where GUARANTEED RATE, INC. lent

States with at least 50 loans in 2025, ranked by volume.