OriginPoint, LLC
5,971 mortgages originated in 2025 across 12 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
- 5,971
- Median rate
- 6.625%
- Median lender fees
- $6,627
- Median loan amount
- $525,000
- Median spread over APOR
- 0.226
- Paid discount points
- 32.5%
- Received lender credits
- 39.4%
- Purchases / refinances
- 80.5% / 18.3%
- Conventional / FHA / VA
- 90.1% / 5.4% / 4.3%
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 89.6% of loans here — see methodology.
Where OriginPoint, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Illinois | 1,723 | $6,548 | 6.625% |
| California | 1,252 | $7,635 | 6.625% |
| Washington | 895 | $6,369 | 6.575% |
| Colorado | 383 | $5,776 | 6.375% |
| Texas | 299 | $8,679 | 6.375% |
| North Carolina | 292 | $4,998 | 6.375% |
| Maryland | 261 | $7,560 | 6.375% |
| Florida | 109 | $8,200 | 6.875% |
| Indiana | 85 | $3,953 | 6.625% |
| Wyoming | 70 | $5,073 | 6.750% |
| District of Columbia | 65 | $7,699 | 6.625% |
| Virginia | 56 | $6,377 | 6.563% |