UNITED SHORE FINANCIAL SERVICES, LLC
422,120 mortgages originated in 2025 across 51 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
- 422,120
- Median rate
- 6.375%
- Median lender fees
- $8,160
- Median loan amount
- $345,000
- Median spread over APOR
- 0.118
- Paid discount points
- 49.8%
- Received lender credits
- 47.6%
- Purchases / refinances
- 56.3% / 43.7%
- Conventional / FHA / VA
- 62.2% / 20.7% / 16.9%
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 89.4% of loans here — see methodology.
Where UNITED SHORE FINANCIAL SERVICES, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 57,281 | $9,534 | 6.490% |
| Florida | 49,897 | $10,076 | 6.440% |
| Texas | 42,285 | $8,389 | 6.250% |
| Michigan | 22,015 | $5,647 | 6.599% |
| Arizona | 19,328 | $8,283 | 6.250% |
| Colorado | 18,178 | $7,341 | 6.125% |
| Georgia | 17,047 | $8,595 | 6.250% |
| North Carolina | 13,671 | $7,493 | 6.125% |
| Illinois | 11,397 | $6,585 | 6.500% |
| New York | 11,158 | $11,045 | 6.499% |
| Washington | 10,462 | $8,376 | 6.125% |
| Ohio | 10,425 | $6,815 | 6.450% |
| Virginia | 10,136 | $7,870 | 6.124% |
| Pennsylvania | 9,333 | $8,045 | 6.474% |
| Tennessee | 8,992 | $8,493 | 6.124% |
| Utah | 8,957 | $7,565 | 6.250% |
| New Jersey | 7,084 | $10,754 | 6.375% |
| Minnesota | 6,703 | $7,041 | 6.375% |
| South Carolina | 6,429 | $8,329 | 6.125% |
| Indiana | 6,308 | $6,314 | 6.375% |
| Maryland | 6,306 | $9,234 | 6.125% |
| Alabama | 5,482 | $7,084 | 6.125% |
| Missouri | 5,338 | $4,831 | 6.552% |
| Kentucky | 5,242 | $5,992 | 6.499% |
| Nevada | 5,215 | $9,474 | 6.313% |
| Oregon | 4,910 | $8,594 | 6.250% |
| Louisiana | 4,514 | $7,818 | 6.375% |
| Massachusetts | 4,404 | $9,091 | 6.499% |
| Wisconsin | 3,258 | $4,961 | 6.375% |
| Connecticut | 3,084 | $9,544 | 6.499% |
| Idaho | 3,036 | $8,443 | 6.124% |
| Oklahoma | 2,497 | $7,366 | 6.125% |
| New Mexico | 2,298 | $7,663 | 6.125% |
| Maine | 2,077 | $6,199 | 6.500% |
| New Hampshire | 1,967 | $6,739 | 6.499% |
| Kansas | 1,838 | $6,275 | 6.375% |
| Arkansas | 1,696 | $6,398 | 6.124% |
| Mississippi | 1,430 | $6,918 | 6.126% |
| Montana | 1,414 | $7,403 | 6.250% |
| Iowa | 1,391 | $5,549 | 6.125% |
| Hawaii | 1,281 | $9,931 | 6.125% |
| Nebraska | 1,211 | $4,940 | 6.367% |
| Delaware | 1,017 | $9,749 | 6.125% |
| Wyoming | 1,008 | $7,339 | 6.124% |
| North Dakota | 725 | $5,973 | 6.250% |
| West Virginia | 675 | $7,165 | 6.250% |
| Rhode Island | 531 | $8,749 | 6.375% |
| South Dakota | 426 | $6,817 | 6.125% |
| Alaska | 399 | $8,607 | 6.124% |
| District of Columbia | 198 | $10,281 | 6.373% |
| Vermont | 166 | $5,971 | 6.364% |