MORTGAGE ACCESS CORP.
1,578 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
- 1,578
- Median rate
- 6.490%
- Median lender fees
- $6,467
- Median loan amount
- $385,000
- Median spread over APOR
- 0.124
- Paid discount points
- 49.9%
- Received lender credits
- 14.9%
- Purchases / refinances
- 93.3% / 6.7%
- Conventional / FHA / VA
- 85.4% / 8.1% / 6.3%
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 99.5% of loans here — see methodology.
Where MORTGAGE ACCESS CORP. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New Jersey | 593 | $6,451 | 6.625% |
| Pennsylvania | 165 | $7,075 | 6.490% |
| Texas | 120 | $8,983 | 6.375% |
| Virginia | 82 | $5,963 | 6.495% |
| Maryland | 62 | $6,114 | 6.490% |
| Michigan | 62 | $4,248 | 6.490% |