Vellum Mortgage, Inc.
1,689 mortgages originated in 2025 across 5 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
- 1,689
- Median rate
- 6.625%
- Median lender fees
- $6,785
- Median loan amount
- $465,000
- Median spread over APOR
- 0.195
- Paid discount points
- 35.6%
- Received lender credits
- 31%
- Purchases / refinances
- 82.7% / 16.8%
- Conventional / FHA / VA
- 75.5% / 15.2% / 9.1%
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 98.3% of loans here — see methodology.
Where Vellum Mortgage, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Maryland | 539 | $7,635 | 6.625% |
| California | 437 | $6,299 | 6.625% |
| Virginia | 393 | $7,632 | 6.624% |
| District of Columbia | 125 | $7,220 | 6.490% |
| Texas | 87 | $6,406 | 6.875% |