FFIEC HMDA public data
What people actually paid, by county
Median interest rates and closing costs from the federal HMDA records nearly every mortgage lender must file: first-lien, owner-occupied home loans, grouped by county and by lender. These are closed loans, not quotes; the methodology page documents every filter. Data loads year by year, so states and counties appear here as their numbers arrive.
Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.
- Counties with purchase data, 2025
- 3,087
- Purchase loans behind those medians
- 2,982,760
- Middle county's median purchase rate
- 6.5%
The 25 largest counties by purchase loans, 2025
Median rate and median total loan costs on closed home-purchase loans, sorted by loan count. Each county page breaks the same figures down lender by lender.
| County | Purchase loans | Median rate | Median total loan costs |
|---|---|---|---|
| Maricopa County, AZ | 46,982 | 6.25% | $8,540 |
| Cook County, IL | 37,472 | 6.625% | $6,859 |
| Harris County, TX | 37,017 | 6.25% | $8,535 |
| Los Angeles County, CA | 33,968 | 6.5% | $11,253 |
| Clark County, NV | 22,949 | 6.25% | $8,434 |
| Bexar County, TX | 21,898 | 5.875% | $8,276 |
| Riverside County, CA | 19,822 | 6.374% | $11,699 |
| Tarrant County, TX | 19,337 | 6.375% | $8,544 |
| King County, WA | 18,534 | 6.375% | $6,686 |
| San Diego County, CA | 18,020 | 6.375% | $9,739 |
| Collin County, TX | 17,216 | 6.125% | $8,393 |
| Dallas County, TX | 16,219 | 6.49% | $8,709 |
| Denton County, TX | 14,786 | 6.125% | $8,620 |
| Hillsborough County, FL | 14,583 | 6.375% | $9,021 |
| Wake County, NC | 14,527 | 6.25% | $4,892 |
| San Bernardino County, CA | 13,920 | 6.375% | $11,902 |
| Broward County, FL | 13,736 | 6.5% | $10,856 |
| Montgomery County, TX | 13,416 | 6.125% | $8,096 |
| Miami-Dade County, FL | 13,389 | 6.5% | $13,325 |
| Wayne County, MI | 13,358 | 6.625% | $4,866 |
| Oakland County, MI | 13,085 | 6.625% | $4,487 |
| Orange County, CA | 12,978 | 6.5% | $9,294 |
| Hennepin County, MN | 12,974 | 6.5% | $5,517 |
| Mecklenburg County, NC | 12,839 | 6.375% | $5,532 |
| Palm Beach County, FL | 12,502 | 6.5% | $9,356 |
Or look up a lender by name
Every reporting lender has a page showing what its borrowers paid, county by county, next to each county's median. The lender index lists the largest ones.
Pick a state
- Alabama67 counties
- Alaska23 counties
- Arizona15 counties
- Arkansas75 counties
- California58 counties
- Colorado64 counties
- Connecticut9 counties
- Delaware3 counties
- Washington, D.C.1 counties
- Florida67 counties
- Georgia159 counties
- Hawaii4 counties
- Idaho44 counties
- Illinois102 counties
- Indiana92 counties
- Iowa99 counties
- Kansas103 counties
- Kentucky120 counties
- Louisiana64 counties
- Maine16 counties
- Maryland24 counties
- Massachusetts14 counties
- Michigan83 counties
- Minnesota87 counties
- Mississippi81 counties
- Missouri115 counties
- Montana52 counties
- Nebraska82 counties
- Nevada16 counties
- New Hampshire10 counties
- New Jersey21 counties
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- North Carolina100 counties
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- South Carolina46 counties
- South Dakota60 counties
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- Vermont14 counties
- Virginia133 counties
- Washington39 counties
- West Virginia55 counties
- Wisconsin72 counties
- Wyoming23 counties