Home Mortgage Alliance Corporation (HMAC)
1,963 mortgages originated in 2025 across 7 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
- 1,963
- Median rate
- 7.375%
- Median lender fees
- $11,497
- Median loan amount
- $325,000
- Median spread over APOR
- 1.310
- Paid discount points
- 41.3%
- Received lender credits
- 42.8%
- Purchases / refinances
- 53.8% / 46.2%
- Conventional / FHA / VA
- 77.3% / 21.9% / 0.9%
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 83.3% of loans here — see methodology.
Where Home Mortgage Alliance Corporation (HMAC) lent
States with at least 50 loans in 2025, ranked by volume.