Stifel Bank and Trust
4,497 mortgages originated in 2025 across 20 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
- 4,497
- Median rate
- 6.125%
- Median lender fees
- $3,268
- Median loan amount
- $375,000
- Median spread over APOR
- 0.002
- Paid discount points
- 7.6%
- Received lender credits
- 19.2%
- Purchases / refinances
- 62.9% / 18.2%
- Conventional / FHA / VA
- 96.9% / 1.9% / 1.2%
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 77.2% of loans here — see methodology.
Where Stifel Bank and Trust lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Missouri | 1,522 | $2,970 | 6.375% |
| California | 364 | $4,142 | 6.000% |
| Florida | 265 | $4,934 | 6.000% |
| Illinois | 150 | $3,279 | 6.125% |
| Texas | 142 | $4,449 | 6.000% |
| New York | 138 | $5,223 | 6.125% |
| North Carolina | 122 | $3,152 | 6.125% |
| New Jersey | 119 | $5,574 | 6.250% |
| Georgia | 115 | $3,884 | 6.000% |
| Colorado | 104 | $2,748 | 6.063% |
| Alabama | 101 | $2,842 | 6.000% |
| Tennessee | 91 | $3,265 | 6.125% |
| Arizona | 90 | $4,030 | 6.125% |
| Michigan | 90 | $2,838 | 6.125% |
| Pennsylvania | 81 | $4,584 | 6.125% |
| Indiana | 78 | — | 6.000% |
| Ohio | 74 | $2,745 | 6.125% |
| Washington | 73 | $3,977 | 6.125% |
| South Carolina | 66 | $3,766 | 6.000% |
| Virginia | 60 | — | 6.125% |