Tomo Mortgage, LLC
3,501 mortgages originated in 2025 across 22 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
- 3,501
- Median rate
- 6.375%
- Median lender fees
- $4,298
- Median loan amount
- $385,000
- Median spread over APOR
- -0.136
- Paid discount points
- 59.2%
- Received lender credits
- 44.7%
- Purchases / refinances
- 100% / 0%
- Conventional / FHA / VA
- 96.8% / 2.7% / 0.5%
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 99.9% of loans here — see methodology.
Where Tomo Mortgage, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 456 | $4,902 | 6.125% |
| Florida | 369 | $4,786 | 6.125% |
| California | 234 | $5,273 | 6.375% |
| North Carolina | 212 | $3,440 | 6.375% |
| Georgia | 211 | $4,012 | 6.375% |
| New Jersey | 181 | $5,254 | 6.375% |
| Virginia | 137 | $3,929 | 6.375% |
| Pennsylvania | 137 | $4,984 | 6.375% |
| Washington | 130 | $4,534 | 6.375% |
| Ohio | 121 | $3,461 | 6.500% |
| Illinois | 113 | $5,075 | 6.375% |
| Michigan | 110 | $2,900 | 6.490% |
| Maryland | 99 | $4,124 | 6.375% |
| Tennessee | 95 | $3,635 | 6.490% |
| Colorado | 93 | $2,807 | 6.375% |
| South Carolina | 79 | $3,621 | 6.490% |
| Minnesota | 77 | $3,134 | 6.375% |
| Connecticut | 76 | $4,845 | 6.375% |
| Oregon | 74 | $4,421 | 6.125% |
| Arizona | 72 | $4,522 | 6.375% |
| Alabama | 58 | $3,513 | 6.433% |
| Indiana | 52 | $2,365 | 6.375% |