UIF CORPORATION
1,675 mortgages originated in 2025 across 12 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
- 1,675
- Median rate
- 6.750%
- Median lender fees
- $5,416
- Median loan amount
- $345,000
- Median spread over APOR
- 0.319
- Paid discount points
- 59.2%
- Received lender credits
- 26.2%
- Purchases / refinances
- 88.2% / 10.4%
- 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 89.7% of loans here — see methodology.
Where UIF CORPORATION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 257 | $6,346 | 6.750% |
| Michigan | 227 | $4,166 | 6.875% |
| New York | 161 | $5,815 | 6.625% |
| Minnesota | 157 | $6,079 | 6.625% |
| Illinois | 131 | $6,126 | 6.750% |
| New Jersey | 90 | $6,075 | 6.625% |
| Pennsylvania | 86 | $6,473 | 6.625% |
| California | 70 | $5,021 | 6.875% |
| Ohio | 68 | $5,083 | 6.563% |
| Virginia | 66 | $5,098 | 6.813% |
| Florida | 55 | $6,185 | 6.750% |
| Georgia | 53 | $4,973 | 6.750% |