JMAC LENDING, INC.
5,353 mortgages originated in 2025 across 17 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
- 5,353
- Median rate
- 6.625%
- Median lender fees
- $10,061
- Median loan amount
- $385,000
- Median spread over APOR
- 0.388
- Paid discount points
- 44.7%
- Received lender credits
- 41.9%
- Purchases / refinances
- 76.5% / 23.5%
- Conventional / FHA / VA
- 68.8% / 26% / 4.5%
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 84.1% of loans here — see methodology.
Where JMAC LENDING, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,541 | $11,659 | 6.625% |
| Florida | 1,292 | $11,634 | 6.500% |
| Texas | 353 | $10,629 | 6.625% |
| Arizona | 252 | $8,067 | 6.625% |
| New Jersey | 208 | $9,400 | 6.750% |
| Illinois | 199 | $8,444 | 6.875% |
| Utah | 153 | $9,465 | 6.500% |
| Georgia | 129 | $9,567 | 6.625% |
| Washington | 129 | $8,176 | 6.625% |
| Colorado | 111 | $6,172 | 6.625% |
| Michigan | 108 | $5,894 | 6.625% |
| Pennsylvania | 106 | $8,454 | 6.495% |
| Indiana | 94 | $7,264 | 6.625% |
| Massachusetts | 81 | $11,522 | 6.750% |
| Oregon | 80 | $8,208 | 6.490% |
| South Carolina | 78 | $8,117 | 6.625% |
| Tennessee | 54 | — | 6.495% |