Residential Wholesale Mortgage, Inc.
2,228 mortgages originated in 2025 across 12 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,228
- Median rate
- 6.500%
- Median lender fees
- $6,949
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $325,000
- Above the going rate (spread over APOR)
- 0.255
- Paid discount points
- 46.5%
- Received lender credits
- 45.7%
- Purchases / refinances
- 84.7% / 14.7%
- Conventional / FHA / VA
- 65.7% / 21.9% / 11.4%
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 86.8% of loans here — see methodology.
Where Residential Wholesale Mortgage, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 677 | $8,352 | 6.500% |
| Texas | 490 | $7,196 | 6.500% |
| Arizona | 130 | $5,214 | 6.500% |
| Washington | 106 | $4,772 | 6.750% |
| North Carolina | 102 | $7,986 | 6.490% |
| Georgia | 102 | $9,729 | 6.125% |
| South Carolina | 93 | $5,300 | 6.490% |
| Ohio | 77 | $5,347 | 6.490% |
| Utah | 60 | — | 6.490% |
| Nevada | 59 | — | 6.625% |
| Colorado | 55 | $7,654 | 6.375% |
| Virginia | 50 | $4,937 | 6.433% |