SPRING EQ, LLC
32,174 mortgages originated in 2025 across 43 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
- 32,174
- Median rate
- 9.200%
- Median lender fees
- $2,157
- Median loan amount
- $85,000
- Median spread over APOR
- 3.173
- Paid discount points
- 12.9%
- Received lender credits
- 0.9%
- Purchases / refinances
- 1.2% / 16.3%
- Conventional / FHA / VA
- 100% / 0% / 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 32.6% of loans here — see methodology.
Where SPRING EQ, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 6,742 | $2,867 | 8.875% |
| Florida | 2,675 | $2,535 | 9.200% |
| Arizona | 1,610 | $2,386 | 8.950% |
| Texas | 1,571 | $1,443 | 9.625% |
| Georgia | 1,319 | $2,060 | 9.250% |
| New Jersey | 1,279 | $1,990 | 9.025% |
| North Carolina | 1,116 | $1,786 | 9.150% |
| Washington | 1,086 | $2,553 | 8.975% |
| Virginia | 1,024 | $1,724 | 9.575% |
| Colorado | 963 | $2,338 | 8.950% |
| Maryland | 945 | $1,702 | 9.625% |
| Illinois | 921 | $1,779 | 9.650% |
| Pennsylvania | 909 | $2,096 | 9.400% |
| Ohio | 845 | $2,089 | 9.500% |
| Tennessee | 821 | $2,180 | 8.700% |
| South Carolina | 687 | $2,109 | 9.000% |
| Michigan | 680 | $1,706 | 9.363% |
| Indiana | 571 | $1,307 | 9.875% |
| Oregon | 544 | $2,453 | 9.050% |
| Missouri | 500 | $1,944 | 9.387% |
| Nevada | 480 | $2,644 | 9.250% |
| Utah | 417 | $3,117 | 9.050% |
| Connecticut | 402 | $2,117 | 9.250% |
| Alabama | 400 | $2,015 | 9.500% |
| Minnesota | 384 | $2,126 | 8.938% |
| Wisconsin | 322 | $1,945 | 9.300% |
| Massachusetts | 280 | $2,296 | 9.300% |
| Kentucky | 270 | $1,816 | 9.525% |
| Oklahoma | 241 | $2,174 | 9.850% |
| Idaho | 232 | $2,540 | 8.800% |
| Kansas | 222 | $1,801 | 9.438% |
| Louisiana | 216 | $1,792 | 9.850% |
| New Mexico | 188 | $2,511 | 9.275% |
| New Hampshire | 181 | $2,254 | 9.099% |
| Delaware | 167 | $1,986 | 10.025% |
| Arkansas | 167 | $2,094 | 9.575% |
| Iowa | 140 | $1,877 | 9.762% |
| Nebraska | 115 | — | 9.825% |
| Maine | 112 | — | 9.287% |
| Montana | 108 | — | 8.863% |
| Mississippi | 107 | — | 9.400% |
| Rhode Island | 102 | — | 9.225% |
| Wyoming | 53 | — | 9.700% |