Mortgage lending in Midland, TX

4,503 mortgages were originated in the Midland, TX area in 2025, and here is what they cost.

Loans originated

4,503

Median rate

6.625%

Median lender fees

$9,123

Median loan amount

$285,000

Median spread over APOR

0.434

Paid discount points

44.4%

Received lender credits

22.1%

Purchases / refinances

80.1% / 15.5%

Conventional / FHA / VA

61% / 34.2% / 4.8%

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 81.4% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Midland, TX area, ranked by volume.