NexBank
5,717 mortgages originated in 2025 across 19 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
- 5,717
- Median rate
- 6.500%
- Median lender fees
- $8,232
- Median loan amount
- $405,000
- Median spread over APOR
- 0.166
- Paid discount points
- 40.1%
- Received lender credits
- 62.4%
- Purchases / refinances
- 69% / 26.9%
- Conventional / FHA / VA
- 96.7% / 1.9% / 1.4%
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 NexBank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,262 | $10,132 | 6.375% |
| Texas | 1,171 | $8,120 | 6.500% |
| Georgia | 488 | $6,752 | 6.500% |
| Arizona | 284 | $8,369 | 6.375% |
| Florida | 275 | $10,579 | 6.625% |
| Washington | 270 | $9,057 | 6.250% |
| Illinois | 229 | $6,559 | 6.875% |
| Pennsylvania | 169 | $6,675 | 6.625% |
| Colorado | 168 | $8,129 | 6.375% |
| Minnesota | 127 | $7,651 | 6.500% |
| Virginia | 113 | $7,836 | 6.500% |
| Tennessee | 103 | $8,430 | 6.500% |
| North Carolina | 91 | $8,137 | 6.500% |
| Missouri | 76 | $3,798 | 6.625% |
| Wisconsin | 75 | $4,020 | 6.625% |
| Michigan | 75 | $4,893 | 6.875% |
| Maryland | 58 | $10,888 | 6.500% |
| Alabama | 58 | $9,421 | 6.500% |
| Oregon | 53 | $8,761 | 6.625% |