APR.net

AML FUNDING LLC

1,847 mortgages originated in 2025 across 9 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
1,847
Median rate
6.625%
Median lender fees
$6,240
Median loan amount
$275,000
Median spread over APOR
0.311
Paid discount points
55.1%
Received lender credits
43.9%
Purchases / refinances
82.2% / 17.8%
Conventional / FHA / VA
82.6% / 13.7% / 3.7%
Across all lenders nationally in 2025, the median rate was 6.625% and median lender fees were $5,786 on 6,807,732 originations. Fee levels differ with the mix of loans a lender makes — purchase against refinance, conventional against government-backed — as well as with what it charges.

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 100% of loans here — see methodology.

Where AML FUNDING LLC lent

States with at least 50 loans in 2025, ranked by volume.

State Loans Median fees Median rate
Texas 892 $6,748 6.500%
North Carolina 100 $6,780 6.500%
Arizona 97 $5,827 6.875%
Louisiana 86 $5,239 6.607%
Florida 84 $6,311 6.750%
Colorado 83 $7,724 6.500%
Oklahoma 74 $5,070 6.500%
Illinois 55 $5,393 6.750%
Georgia 54 $5,606 6.875%