V.I.P. MORTGAGE, INC.
7,248 mortgages originated in 2025 across 19 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
- 7,248
- Median rate
- 6.500%
- Median lender fees
- $7,887
- Median loan amount
- $345,000
- Median spread over APOR
- 0.246
- Paid discount points
- 52.4%
- Received lender credits
- 36%
- Purchases / refinances
- 85.1% / 14.7%
- Conventional / FHA / VA
- 64.2% / 25.3% / 9.8%
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 92.1% of loans here — see methodology.
Where V.I.P. MORTGAGE, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Arizona | 2,321 | $7,610 | 6.624% |
| Colorado | 1,153 | $8,335 | 6.500% |
| Texas | 1,080 | $10,538 | 6.250% |
| New Mexico | 272 | $6,069 | 6.750% |
| Oklahoma | 264 | $7,787 | 6.490% |
| Connecticut | 235 | $5,428 | 6.625% |
| Nevada | 227 | $9,604 | 6.750% |
| Indiana | 218 | $5,441 | 6.500% |
| California | 169 | $7,378 | 6.625% |
| Pennsylvania | 165 | $6,199 | 6.625% |
| North Carolina | 139 | $5,021 | 6.625% |
| Tennessee | 130 | $9,111 | 6.490% |
| Washington | 99 | $9,205 | 6.490% |
| Nebraska | 65 | $5,286 | 6.750% |
| Hawaii | 64 | $12,305 | 6.625% |
| Florida | 63 | $8,431 | 6.500% |
| Iowa | 59 | $4,379 | 6.500% |
| Wisconsin | 58 | $6,011 | 6.500% |
| Michigan | 56 | $6,062 | 6.500% |