MILEND, INC.
1,460 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
- 1,460
- Median rate
- 6.250%
- Median lender fees
- $13,545
- Median loan amount
- $245,000
- Median spread over APOR
- 0.323
- Paid discount points
- 94.9%
- Received lender credits
- 21.6%
- Purchases / refinances
- 6% / 94%
- Conventional / FHA / VA
- 26.3% / 60.1% / 13.6%
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 MILEND, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Georgia | 457 | $13,513 | 6.250% |
| North Carolina | 175 | $12,574 | 6.375% |
| Tennessee | 124 | $13,733 | 6.250% |
| Virginia | 115 | $14,192 | 6.250% |
| Alabama | 97 | $11,523 | 6.500% |
| Ohio | 93 | $13,937 | 6.125% |
| Florida | 79 | $15,388 | 6.250% |
| Pennsylvania | 59 | $15,483 | 6.250% |
| Michigan | 51 | $12,738 | 6.250% |