NMSI, INC.
3,255 mortgages originated in 2025 across 9 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
- 3,255
- Median rate
- 6.625%
- Median lender fees
- $8,492
- Median loan amount
- $555,000
- Median spread over APOR
- 0.260
- Paid discount points
- 28.1%
- Received lender credits
- 51.3%
- Purchases / refinances
- 68.3% / 31.7%
- Conventional / FHA / VA
- 93.1% / 6.9% / 0%
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 NMSI, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 2,145 | $8,507 | 6.750% |
| Colorado | 168 | $6,627 | 6.250% |
| Texas | 163 | $8,340 | 6.625% |
| Georgia | 124 | $9,048 | 6.625% |
| Washington | 96 | $10,037 | 6.500% |
| Florida | 94 | $9,539 | 6.875% |
| Illinois | 75 | $6,870 | 6.875% |
| Virginia | 60 | $9,952 | 6.750% |
| Maryland | 57 | $8,970 | 6.750% |