The Dart Bank
4,084 mortgages originated in 2025 across 11 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
- 4,084
- Median rate
- 6.625%
- Median lender fees
- $4,931
- Median loan amount
- $305,000
- Median spread over APOR
- 0.203
- Paid discount points
- 31.7%
- Received lender credits
- 31%
- Purchases / refinances
- 76.8% / 14.4%
- Conventional / FHA / VA
- 88.6% / 8.9% / 2.4%
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 88.1% of loans here — see methodology.
Where The Dart Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Michigan | 2,600 | $3,962 | 6.750% |
| New York | 372 | $12,452 | 6.490% |
| California | 172 | $10,377 | 6.375% |
| Virginia | 153 | $8,257 | 6.250% |
| Maryland | 117 | $7,178 | 6.250% |
| Florida | 81 | $7,861 | 6.375% |
| Connecticut | 70 | $13,868 | 6.375% |
| Massachusetts | 55 | $8,188 | 6.490% |
| Kentucky | 54 | $7,305 | 6.500% |
| Indiana | 52 | $4,353 | 6.625% |
| Texas | 51 | — | 6.250% |