MLD MORTGAGE INC.
4,978 mortgages originated in 2025 across 18 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
- 4,978
- Median rate
- 6.500%
- Median lender fees
- $6,065
- Median loan amount
- $305,000
- Median spread over APOR
- 0.163
- Paid discount points
- 33.6%
- Received lender credits
- 42.6%
- Purchases / refinances
- 81% / 19%
- Conventional / FHA / VA
- 70.8% / 21.3% / 7.1%
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 88% of loans here — see methodology.
Where MLD MORTGAGE INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Illinois | 1,069 | $5,727 | 6.625% |
| California | 805 | $7,779 | 6.375% |
| Oklahoma | 712 | $6,305 | 6.375% |
| New Jersey | 554 | $6,087 | 6.490% |
| Washington | 321 | $8,163 | 6.375% |
| Wisconsin | 169 | $3,179 | 6.490% |
| Texas | 155 | $6,357 | 6.500% |
| Massachusetts | 150 | $4,916 | 6.375% |
| Delaware | 122 | $6,744 | 6.375% |
| Iowa | 90 | $5,031 | 6.750% |
| Pennsylvania | 83 | $6,406 | 6.625% |
| Maryland | 79 | $7,702 | 6.500% |
| Florida | 77 | $7,252 | 6.625% |
| Virginia | 73 | $7,445 | 6.313% |
| Minnesota | 64 | $6,123 | 6.625% |
| Ohio | 61 | $5,555 | 6.563% |
| Indiana | 60 | $3,675 | 6.813% |
| North Carolina | 54 | — | 6.188% |