RESICENTRAL, LLC
5,418 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
- 5,418
- Median rate
- 6.490%
- Median lender fees
- $7,476
- Median loan amount
- $365,000
- Median spread over APOR
- 0.144
- Paid discount points
- 41.5%
- Received lender credits
- 56.5%
- Purchases / refinances
- 75.1% / 24.5%
- Conventional / FHA / VA
- 81.7% / 13.1% / 5.1%
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 93.2% of loans here — see methodology.
Where RESICENTRAL, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,108 | $8,533 | 6.490% |
| Florida | 702 | $8,535 | 6.375% |
| Illinois | 626 | $6,849 | 6.625% |
| Texas | 527 | $7,782 | 6.490% |
| Colorado | 377 | $5,821 | 6.250% |
| Minnesota | 244 | $7,543 | 6.490% |
| Arizona | 204 | $6,386 | 6.375% |
| Washington | 202 | $8,906 | 6.490% |
| Utah | 167 | $5,210 | 6.375% |
| South Carolina | 161 | $6,734 | 6.375% |
| North Carolina | 158 | $6,069 | 6.490% |
| New Jersey | 109 | $10,537 | 6.490% |
| Georgia | 109 | $7,853 | 6.375% |
| Tennessee | 83 | $8,160 | 6.490% |
| Michigan | 79 | $4,295 | 7.125% |
| Pennsylvania | 78 | $8,467 | 6.490% |
| Oregon | 77 | $8,186 | 6.490% |
| Ohio | 61 | $4,882 | 6.375% |
| Virginia | 57 | $8,923 | 6.375% |