University Bank
2,426 mortgages originated in 2025 across 5 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
- 2,426
- Median rate
- 6.500%
- Median lender fees
- $5,708
- Median loan amount
- $305,000
- Median spread over APOR
- 0.140
- Paid discount points
- 32.4%
- Received lender credits
- 7.1%
- Purchases / refinances
- 71.8% / 23.7%
- Conventional / FHA / VA
- 61.3% / 19.8% / 17.3%
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 65.6% of loans here — see methodology.
Where University Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Florida | 1,083 | $6,921 | 6.375% |
| Michigan | 505 | $3,989 | 6.625% |
| Indiana | 245 | $4,402 | 6.250% |
| California | 67 | — | — |
| North Carolina | 57 | — | — |