TD Bank, National Association
23,499 mortgages originated in 2025 across 16 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
- 23,499
- Median rate
- 7.490%
- Median lender fees
- $3,463
- Median loan amount
- $205,000
- Median spread over APOR
- 0.340
- Paid discount points
- 4.8%
- Received lender credits
- 4.3%
- Purchases / refinances
- 25.2% / 27.3%
- Conventional / FHA / VA
- 99.8% / 0.2% / 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 35.5% of loans here — see methodology.
Where TD Bank, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New Jersey | 6,695 | $1,753 | 7.490% |
| New York | 4,324 | $5,387 | 7.690% |
| Florida | 2,722 | $3,788 | 7.500% |
| Massachusetts | 1,975 | $2,783 | 7.440% |
| Pennsylvania | 1,803 | $3,727 | 7.440% |
| South Carolina | 1,143 | $3,527 | 7.440% |
| Connecticut | 1,002 | $2,396 | 7.590% |
| New Hampshire | 997 | $99 | 7.540% |
| Maine | 699 | $2,572 | 7.351% |
| North Carolina | 555 | $3,564 | 7.000% |
| Virginia | 450 | $2,899 | 7.440% |
| Maryland | 444 | $3,190 | 7.590% |
| Delaware | 236 | $99 | 7.665% |
| Vermont | 207 | $2,812 | 7.490% |
| Rhode Island | 137 | — | 7.640% |
| District of Columbia | 110 | — | 7.440% |