Loan Simple, Inc.
1,876 mortgages originated in 2025 across 8 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
- 1,876
- Median rate
- 6.625%
- Median lender fees
- $11,321
- Median loan amount
- $305,000
- Median spread over APOR
- 0.822
- Paid discount points
- 36.1%
- Received lender credits
- 12.6%
- Purchases / refinances
- 88.6% / 11.4%
- Conventional / FHA / VA
- 24.5% / 71.4% / 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 98.2% of loans here — see methodology.
Where Loan Simple, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Colorado | 911 | $11,531 | 6.625% |
| Texas | 159 | $10,995 | 6.750% |
| North Carolina | 128 | $11,669 | 6.875% |
| Florida | 100 | $11,793 | 6.990% |
| Georgia | 77 | $11,399 | 6.990% |
| Virginia | 69 | $11,783 | 6.990% |
| South Carolina | 52 | $11,664 | 6.875% |
| Oregon | 52 | $11,204 | 6.625% |