HOMESTEAD FUNDING CORP.
5,674 mortgages originated in 2025 across 6 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
- 5,674
- Median rate
- 6.490%
- Median lender fees
- $4,403
- Median loan amount
- $275,000
- Median spread over APOR
- 0.045
- Paid discount points
- 40.2%
- Received lender credits
- 23.8%
- Purchases / refinances
- 89% / 10%
- Conventional / FHA / VA
- 81.5% / 14.2% / 3.5%
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 90% of loans here — see methodology.
Where HOMESTEAD FUNDING CORP. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 4,005 | $4,450 | 6.490% |
| Pennsylvania | 479 | $4,466 | 6.375% |
| Connecticut | 407 | $4,484 | 6.375% |
| Massachusetts | 154 | $5,083 | 6.490% |
| North Carolina | 95 | $3,414 | 5.990% |
| Florida | 72 | $4,149 | 6.375% |