MidWestOne Bank
1,521 mortgages originated in 2025 across 3 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
- 1,521
- Median rate
- 5.990%
- Median lender fees
- $2,613
- Median loan amount
- $125,000
- Median spread over APOR
- -1.100
- Paid discount points
- 7.5%
- Received lender credits
- 10.5%
- Purchases / refinances
- 35.5% / 29.9%
- Conventional / FHA / VA
- 99.9% / 0% / 0%
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 30.8% of loans here — see methodology.
Where MidWestOne Bank lent
States with at least 50 loans in 2025, ranked by volume.