APR.net

Nations Lending Corporation

6,568 mortgages originated in 2025 across 24 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
6,568
Median rate
6.625%
Median lender fees
$6,175
Median loan amount
$265,000
Median spread over APOR
0.329
Paid discount points
69.7%
Received lender credits
37.1%
Purchases / refinances
69% / 31%
Conventional / FHA / VA
58.4% / 29.3% / 11.2%
Across all lenders nationally in 2025, the median rate was 6.625% and median lender fees were $5,786 on 6,807,732 originations. Fee levels differ with the mix of loans a lender makes — purchase against refinance, conventional against government-backed — as well as with what it charges.

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 97% of loans here — see methodology.

Where Nations Lending Corporation lent

States with at least 50 loans in 2025, ranked by volume.

State Loans Median fees Median rate
Wisconsin 943 $3,874 6.625%
Texas 709 $7,024 6.625%
Ohio 658 $5,452 6.750%
Arizona 564 $6,029 6.500%
Missouri 385 $4,289 6.750%
Oregon 304 $5,732 6.500%
Indiana 252 $5,079 6.500%
Nevada 222 $5,925 6.500%
Illinois 210 $7,567 6.750%
Mississippi 209 $5,640 6.500%
Florida 199 $9,457 6.500%
California 177 $8,118 6.500%
New Jersey 167 $10,793 6.625%
Tennessee 167 $9,302 6.375%
Minnesota 143 $5,248 6.625%
New Mexico 133 $5,588 6.875%
North Carolina 126 $9,401 6.375%
Virginia 95 $9,841 6.375%
Georgia 91 $10,582 6.250%
Louisiana 90 $5,100 7.250%
South Carolina 74 $8,567 6.375%
Massachusetts 69 $12,110 6.625%
Pennsylvania 62 $11,653 6.313%
Alabama 57 $6,452 6.625%