PENNYMAC LOAN SERVICES, LLC
100,816 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
- 100,816
- Median rate
- 6.490%
- Median lender fees
- $6,420
- Median loan amount
- $295,000
- Median spread over APOR
- 0.241
- Paid discount points
- 57.3%
- Received lender credits
- 50.1%
- Purchases / refinances
- 36.2% / 45.7%
- Conventional / FHA / VA
- 59.6% / 23.8% / 16.4%
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 93.7% of loans here — see methodology.
Where PENNYMAC LOAN SERVICES, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 10,749 | $7,503 | 6.500% |
| Florida | 9,704 | $7,756 | 6.500% |
| Texas | 6,849 | $6,786 | 6.375% |
| Georgia | 5,272 | $5,964 | 6.490% |
| Pennsylvania | 4,488 | $6,687 | 6.499% |
| Virginia | 4,338 | $5,140 | 6.375% |
| North Carolina | 3,751 | $7,397 | 6.000% |
| Arizona | 3,232 | $5,883 | 6.624% |
| New Jersey | 3,144 | $7,485 | 6.624% |
| Ohio | 2,964 | $5,162 | 6.490% |
| Washington | 2,953 | $5,940 | 6.499% |
| Maryland | 2,636 | $5,631 | 6.490% |
| Missouri | 2,580 | $4,644 | 6.375% |
| Tennessee | 2,566 | $8,229 | 5.999% |
| Illinois | 2,485 | $6,130 | 6.490% |
| Colorado | 2,360 | $5,373 | 6.375% |
| New York | 2,278 | $10,023 | 6.499% |
| South Carolina | 2,199 | $5,590 | 6.250% |
| Nevada | 1,834 | $5,511 | 6.624% |
| Alabama | 1,791 | $5,086 | 6.250% |
| Minnesota | 1,705 | $6,903 | 6.250% |
| Oregon | 1,517 | $5,699 | 6.624% |
| Indiana | 1,486 | $6,687 | 5.999% |
| Michigan | 1,393 | $6,498 | 6.125% |
| Massachusetts | 1,315 | $6,264 | 6.500% |
| Wisconsin | 1,253 | $4,510 | 6.375% |
| Kansas | 1,217 | $4,387 | 6.490% |
| Utah | 1,214 | $5,838 | 6.375% |
| Kentucky | 1,132 | $5,208 | 6.250% |
| Oklahoma | 1,012 | $6,328 | 6.250% |
| Louisiana | 990 | $5,363 | 6.125% |
| Arkansas | 947 | $4,569 | 6.375% |
| Connecticut | 802 | $7,012 | 6.500% |
| Idaho | 760 | $5,747 | 6.500% |
| Iowa | 631 | $4,499 | 6.499% |
| Nebraska | 611 | $4,267 | 6.490% |
| Mississippi | 603 | $5,333 | 6.125% |
| New Mexico | 593 | $5,825 | 6.375% |
| Delaware | 483 | $6,220 | 6.624% |
| Hawaii | 462 | $8,337 | 6.125% |
| New Hampshire | 370 | $5,731 | 6.625% |
| West Virginia | 368 | $5,501 | 6.124% |
| Montana | 364 | $5,665 | 6.624% |
| Maine | 339 | $5,828 | 6.500% |
| Rhode Island | 260 | $5,736 | 6.499% |
| South Dakota | 187 | $4,327 | 6.625% |
| Wyoming | 185 | $4,049 | 6.625% |
| Alaska | 146 | $7,583 | 6.124% |
| North Dakota | 110 | $3,809 | 6.313% |
| District of Columbia | 105 | $4,743 | 6.124% |
| Vermont | 83 | $7,824 | 6.125% |