Fairway Independent Mortgage Corporation: 2025 mortgage rates, costs & approvals
How Fairway Independent Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Fairway Independent Mortgage Corporation · LEI 549300MGPZBLQDIL7538
In 2025, Fairway Independent Mortgage Corporation originated 59,815 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 10th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 18 basis points above the national median. Median conventional loan costs were $5,860, 5% higher than the national median ($5,570).
It denied 4.0% of completed home-purchase applications (all lenders: 8.5%).
How Fairway Independent Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | Fairway Independent Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.32 pts | +0.13 pts |
| Total loan costs · conventional | $5,860 | $5,570 |
| Total loan costs · FHA | $11,230 | $11,310 |
| Total loan costs · VA | $6,630 | $6,490 |
| Origination charges (all types) | $2,530 | $1,860 |
| Borrowers paying discount points | 56.5% | 51.3% |
| Points paid, when paid (% of loan) | 0.87% | 0.87% |
| Borrowers receiving lender credits | 16.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Fairway Independent Mortgage Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Fairway Independent Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 6,607 | 6,935 | 3.0% | 6.750% | $7,590 |
| Arizona | 3,485 | 3,737 | 4.8% | 6.750% | $7,250 |
| Illinois | 3,234 | 3,509 | 6.4% | 6.875% | $6,700 |
| Indiana | 3,050 | 3,356 | 7.4% | 6.750% | $3,320 |
| Georgia | 2,997 | 3,146 | 2.9% | 6.750% | $6,480 |
| Wisconsin | 2,553 | 2,691 | 3.7% | 6.750% | $4,010 |
| Florida | 2,381 | 2,615 | 6.5% | 6.750% | $7,060 |
| Ohio | 2,248 | 2,343 | 2.5% | 6.750% | $5,320 |
| North Carolina | 2,242 | 2,350 | 3.0% | 6.750% | $5,320 |
| Minnesota | 2,203 | 2,293 | 2.1% | 6.750% | $5,370 |
| California | 2,157 | 2,284 | 2.8% | 6.750% | $8,910 |
| Missouri | 1,965 | 2,061 | 3.0% | 6.750% | $3,600 |
| Washington | 1,866 | 1,958 | 3.4% | 6.750% | $6,920 |
| Kansas | 1,722 | 1,768 | 1.6% | 6.875% | $3,310 |
| Colorado | 1,677 | 1,799 | 3.6% | 6.750% | $5,350 |
| Massachusetts | 1,658 | 1,767 | 4.0% | 6.625% | $5,350 |
| Alabama | 1,586 | 1,670 | 3.8% | 6.875% | $4,070 |
| Virginia | 1,458 | 1,537 | 4.0% | 6.625% | $6,070 |
| Tennessee | 1,246 | 1,316 | 3.2% | 6.750% | $6,360 |
| Pennsylvania | 1,040 | 1,084 | 3.2% | 6.750% | $6,050 |
| Maryland | 1,001 | 1,072 | 5.7% | 6.750% | $5,880 |
| South Carolina | 981 | 1,048 | 4.1% | 6.750% | $5,830 |
| Arkansas | 978 | 1,064 | 6.5% | 6.625% | $5,540 |
| Oregon | 857 | 921 | 4.8% | 6.625% | $6,980 |
| Utah | 749 | 770 | 1.7% | 6.625% | $5,690 |
| New Jersey | 677 | 715 | 3.1% | 6.875% | $7,010 |
| Wyoming | 644 | 676 | 3.5% | 6.875% | $6,050 |
| New York | 638 | 692 | 5.7% | 6.625% | $7,100 |
| Connecticut | 563 | 599 | 3.6% | 6.625% | $5,770 |
| New Hampshire | 555 | 583 | 4.2% | 6.750% | $4,490 |
| Idaho | 503 | 539 | 4.3% | 6.625% | $8,650 |
| Nebraska | 481 | 515 | 3.2% | 6.625% | $3,540 |
| Kentucky | 449 | 514 | 12.8% | 6.875% | $5,040 |
| North Dakota | 346 | 357 | 2.1% | 6.490% | $5,820 |
| Nevada | 345 | 368 | 4.2% | 6.875% | $7,360 |
| South Dakota | 322 | 333 | 1.7% | 6.750% | $3,370 |
| Maine | 297 | 311 | 3.8% | 6.875% | $4,840 |
| Iowa | 296 | 310 | 2.5% | 6.875% | $4,170 |
| Michigan | 266 | 287 | 5.5% | 6.625% | $4,830 |
| Delaware | 240 | 252 | 4.5% | 6.875% | $5,790 |
| Oklahoma | 229 | 239 | 2.2% | 6.875% | $5,910 |
| Louisiana | 214 | 225 | 2.4% | 6.875% | $6,270 |
| Mississippi | 164 | 188 | 11.2% | 6.875% | $5,390 |
| Montana | 162 | 171 | 5.3% | 6.625% | $6,940 |
| District of Columbia | 107 | 112 | 2.2% | 6.625% | $8,470 |
| Vermont | 91 | 104 | 12.5% | 6.625% | $5,780 |
| Rhode Island | 84 | 92 | 5.4% | 6.750% | $4,790 |
| Hawaii | 81 | 95 | 13.6% | 6.750% | $10,500 |
| New Mexico | 63 | 67 | 4.9% | 6.875% | $4,440 |
| Alaska | 44 | 44 | 0.0% | — | — |
| West Virginia | 13 | 13 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Fairway Independent Mortgage Corporation's page for that state.
Counties where Fairway Independent Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Maverick County, TX | 1 | 175 | 54.7% |
| Mississippi County, AR | 1 | 147 | 41.9% |
| Drew County, AR | 1 | 39 | 40.6% |
| Bradley County, AR | 1 | 17 | 34.0% |
| Lincoln County, AR | 1 | 16 | 32.0% |
| McKenzie County, ND | 1 | 40 | 27.6% |
| Trinity County, CA | 1 | 22 | 26.5% |
| Clark County, AR | 1 | 49 | 23.2% |
| Humboldt County, CA | 1 | 199 | 23.0% |
| Mower County, MN | 1 | 112 | 22.5% |
| Union County, OR | 1 | 62 | 22.2% |
| Plumas County, CA | 1 | 39 | 20.1% |
| Baker County, GA | 4 | 1 | 20.0% |
| Dallas County, AR | 2 | 7 | 19.4% |
| Lauderdale County, TN | 1 | 39 | 18.7% |
Check Fairway Independent Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300MGPZBLQDIL7538.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Fairway Independent Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology