Hometown Equity Mortgage, LLC
7,540 mortgages originated in 2025 across 26 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
- 7,540
- Median rate
- 7.250%
- Median lender fees
- $13,903
- Median loan amount
- $335,000
- Median spread over APOR
- 0.999
- Paid discount points
- 14%
- Received lender credits
- 17.1%
- Purchases / refinances
- 47.9% / 52.1%
- Conventional / FHA / VA
- 94.1% / 5.3% / 0.3%
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 27.5% of loans here — see methodology.
Where Hometown Equity Mortgage, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Florida | 1,457 | $14,390 | 7.250% |
| California | 1,424 | $15,102 | 7.250% |
| Texas | 795 | $14,427 | 7.375% |
| New York | 714 | — | 7.375% |
| New Jersey | 302 | — | 7.250% |
| Georgia | 259 | $13,796 | 7.125% |
| North Carolina | 179 | — | 7.375% |
| Pennsylvania | 177 | — | 7.250% |
| Arizona | 172 | $13,782 | 7.250% |
| Tennessee | 151 | — | 7.250% |
| South Carolina | 149 | — | 7.250% |
| Virginia | 138 | — | 7.000% |
| Massachusetts | 128 | — | 7.375% |
| Connecticut | 127 | — | 7.250% |
| Illinois | 113 | — | 7.500% |
| Colorado | 98 | — | 7.250% |
| Ohio | 98 | — | 7.375% |
| Maryland | 96 | — | 7.375% |
| Washington | 77 | — | 7.375% |
| Utah | 73 | — | 7.250% |
| Oklahoma | 73 | — | 7.500% |
| Indiana | 66 | — | 7.375% |
| Nevada | 66 | — | 7.313% |
| Missouri | 64 | — | 7.250% |
| Oregon | 62 | — | 7.250% |
| Alabama | 54 | — | 7.375% |