U.S. Bank National Association
74,635 mortgages originated in 2025 across 48 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
- 74,635
- Median rate
- 6.875%
- Median lender fees
- $4,053
- Median loan amount
- $235,000
- Median spread over APOR
- 0.431
- Paid discount points
- 21.6%
- Received lender credits
- 47.1%
- Purchases / refinances
- 41.8% / 26%
- Conventional / FHA / VA
- 95.7% / 2.6% / 1.5%
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 66.7% of loans here — see methodology.
Where U.S. Bank National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 16,136 | $4,621 | 6.500% |
| Illinois | 4,571 | $3,213 | 7.000% |
| Minnesota | 4,538 | $3,695 | 7.877% |
| Ohio | 3,965 | $3,642 | 7.600% |
| Missouri | 3,622 | $2,985 | 7.625% |
| Washington | 3,524 | $4,834 | 6.625% |
| Wisconsin | 2,785 | $2,821 | 6.875% |
| Kentucky | 2,645 | $3,602 | 7.000% |
| Oregon | 2,465 | $4,380 | 7.850% |
| Florida | 2,279 | $5,610 | 6.750% |
| Colorado | 2,277 | $3,434 | 7.950% |
| Tennessee | 1,844 | $3,742 | 7.600% |
| Arizona | 1,813 | $4,122 | 7.600% |
| Texas | 1,599 | $7,287 | 6.375% |
| Nevada | 1,593 | $3,988 | 7.650% |
| Iowa | 1,593 | $2,975 | 7.000% |
| New Jersey | 1,413 | $5,602 | 6.625% |
| New York | 1,313 | $5,982 | 6.250% |
| Idaho | 1,180 | $4,845 | 7.350% |
| Connecticut | 1,147 | $6,625 | 6.375% |
| North Carolina | 1,134 | $4,136 | 6.750% |
| Nebraska | 1,112 | $2,675 | 6.990% |
| Virginia | 880 | $4,493 | 6.625% |
| Massachusetts | 876 | $4,558 | 6.490% |
| Indiana | 786 | $2,819 | 7.063% |
| Kansas | 772 | $2,656 | 7.275% |
| Utah | 726 | $4,564 | 6.990% |
| Georgia | 687 | $3,423 | 7.000% |
| Arkansas | 556 | $3,016 | 7.125% |
| Pennsylvania | 542 | $4,110 | 6.990% |
| Montana | 538 | $4,463 | 7.125% |
| Maryland | 463 | $3,690 | 7.450% |
| South Dakota | 392 | $3,749 | 6.990% |
| Michigan | 345 | $3,121 | 7.125% |
| South Carolina | 301 | $4,762 | 6.490% |
| New Mexico | 286 | $3,291 | 7.638% |
| Oklahoma | 281 | $1,909 | 7.900% |
| North Dakota | 239 | $3,081 | 7.300% |
| Maine | 197 | $3,965 | 6.625% |
| West Virginia | 186 | $4,186 | 6.625% |
| Alabama | 184 | $2,976 | 7.125% |
| Wyoming | 168 | $3,607 | 7.063% |
| Rhode Island | 161 | $4,409 | 6.625% |
| New Hampshire | 115 | $3,692 | 7.000% |
| Louisiana | 108 | $2,812 | 6.990% |
| Mississippi | 77 | $2,748 | 7.500% |
| Hawaii | 54 | — | 6.375% |
| Vermont | 52 | — | 6.990% |