Data · Fee & Rate Index
Is that a normal rate? Compare it to the public record.
We compute rate and fee distributions from the Home Mortgage Disclosure Act (HMDA) data lenders are required to report. Enter a quote to see where it lands — as a benchmark, not a recommendation.
15-Year Fixed Rate Mortgage Average
5.79%
National weekly average · week of Jul 2, 2026
30-Year Fixed Rate Mortgage Average
6.43%
National weekly average · week of Jul 2, 2026
Compare your quoted rate
We compare against the national weekly average — a reference point, not a full distribution and not a prediction of what you qualify for.
Your 6.99% is 56 bps above the national 30-year average of 6.43%. Your own rate depends on credit, down payment, points, and lender — this is context, not a quote.
Local market context
Real originated home-purchase loans reported under HMDA for 2025.
$604,412
Mean loan amount (home purchase)
62,800
Originated loans in the record
Rate benchmarks come from FRED; state loan statistics from the CFPB HMDA aggregations API. The closing-cost and rate-spread percentile distributions below (p25/p50/p75) are computed directly from the row-level CFPB HMDA LAR files, each with its own ledger receipt. Every number on this page traces to a public federal source.
Fee & rate-spread distributions
Real p25 / p50 / p75 percentiles computed directly from the row-level CFPB HMDA Loan/Application Register for 2025. Cells with fewer than 25 loans are suppressed.
All lender/third-party charges disclosed on the Closing Disclosure — the best closing-cost proxy.
| Loan size | p25 | Median | p75 | Mean | n |
|---|---|---|---|---|---|
| All loan sizes | $4,532 | $5,563 | $8,777 | $7,695 | 48,889 |
| All loan sizes | $4,149 | $5,371 | $9,578 | $7,756 | 46,706 |
| Under $250k | $3,542 | $4,256 | $5,711 | $4,941 | 4,361 |
| Under $250k | $3,237 | $3,993 | $6,021 | $4,894 | 5,728 |
| $250k–$500k | $4,254 | $5,065 | $8,985 | $7,024 | 19,871 |
| $250k–$500k | $3,987 | $5,223 | $10,140 | $7,480 | 21,338 |
| $500k–$750k | $4,484 | $5,306 | $11,322 | $8,758 | 13,224 |
| $500k–$750k | $4,824 | $5,527 | $9,916 | $8,361 | 15,338 |
| Over $750k | $5,767 | $6,662 | $9,212 | $9,316 | 9,319 |
| Over $750k | $5,339 | $6,292 | $9,229 | $9,166 | 6,416 |
Percentiles use linear interpolation (matching Postgres percentile_cont) over originated, first-lien, home-purchase loans. Non-reported (Exempt/NA) values are excluded per metric. 51 states currently have LAR coverage.
Index editions
On the first of each month the index is frozen into a dated edition with its own ledger receipt — citable as “the CandidCost Fee & Rate Index, 2026-MM” and verifiable forever after.
- Edition 2026-0751 states · published Jul 5, 2026 · 20f5…b109