Mortgage Research Center, LLC
82,764 mortgages originated in 2025 across 51 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
- 82,764
- Median rate
- 6.250%
- Median lender fees
- $4,666
- Median loan amount
- $305,000
- Median spread over APOR
- -0.250
- Paid discount points
- 65.4%
- Received lender credits
- 72.3%
- Purchases / refinances
- 82.6% / 17.4%
- Conventional / FHA / VA
- 4.7% / 3.2% / 91.9%
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 100% of loans here — see methodology.
Where Mortgage Research Center, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 6,918 | $4,751 | 6.250% |
| Florida | 5,506 | $5,101 | 6.250% |
| North Carolina | 4,769 | $5,040 | 6.250% |
| Virginia | 4,500 | $6,020 | 6.250% |
| Georgia | 4,139 | $4,399 | 6.250% |
| Ohio | 3,302 | $4,420 | 6.250% |
| Tennessee | 3,178 | $4,074 | 6.250% |
| Illinois | 2,965 | $4,377 | 6.250% |
| Missouri | 2,901 | $3,662 | 6.250% |
| Pennsylvania | 2,643 | $5,200 | 6.250% |
| California | 2,515 | $6,064 | 6.125% |
| Alabama | 2,471 | $3,299 | 6.250% |
| Michigan | 2,334 | $3,999 | 6.250% |
| South Carolina | 2,333 | $4,577 | 6.250% |
| Indiana | 2,331 | $3,720 | 6.250% |
| Oklahoma | 1,899 | $3,812 | 6.250% |
| Kentucky | 1,786 | $4,073 | 6.250% |
| Wisconsin | 1,743 | $4,735 | 6.250% |
| Arizona | 1,565 | $4,789 | 6.125% |
| Washington | 1,561 | $6,447 | 6.125% |
| Maryland | 1,405 | $6,534 | 6.125% |
| Kansas | 1,308 | $4,053 | 6.250% |
| Colorado | 1,301 | $5,149 | 5.990% |
| Arkansas | 1,236 | $3,290 | 6.250% |
| Mississippi | 1,220 | $3,689 | 6.375% |
| Minnesota | 1,143 | $4,590 | 6.250% |
| Louisiana | 1,090 | $3,439 | 6.375% |
| Iowa | 957 | $3,891 | 6.250% |
| Nebraska | 950 | $4,430 | 6.250% |
| Nevada | 900 | $4,992 | 6.125% |
| New York | 849 | $5,741 | 6.250% |
| New Jersey | 842 | $8,040 | 6.250% |
| Oregon | 838 | $4,853 | 6.125% |
| New Mexico | 822 | $4,744 | 6.250% |
| West Virginia | 771 | $3,792 | 6.250% |
| Massachusetts | 625 | $7,029 | 6.125% |
| Connecticut | 580 | $7,124 | 6.250% |
| Idaho | 515 | $5,695 | 6.125% |
| Maine | 507 | $4,220 | 6.250% |
| Utah | 447 | $4,898 | 5.990% |
| Alaska | 446 | $7,004 | 6.250% |
| Montana | 439 | $4,887 | 6.125% |
| New Hampshire | 380 | $6,251 | 6.125% |
| Hawaii | 368 | $8,087 | 6.125% |
| South Dakota | 298 | $5,149 | 6.250% |
| Wyoming | 280 | $3,926 | 6.250% |
| North Dakota | 276 | $4,898 | 6.250% |
| Delaware | 206 | $6,337 | 6.125% |
| Rhode Island | 176 | $6,959 | 6.250% |
| Vermont | 167 | $5,615 | 6.438% |
| District of Columbia | 63 | $9,201 | 5.990% |