Wells Fargo Bank, National Association

41,562 mortgages originated in 2025 across 49 states, and what they cost borrowers.

Loans originated

41,562

Median rate

6.250%

Median lender fees

$5,399

Median loan amount

$355,000

Median spread over APOR

-0.031

Paid discount points

44%

Received lender credits

79.1%

Purchases / refinances

62.3% / 30.8%

Conventional / FHA / VA

94.9% / 3.1% / 2%

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 98.6% of loans here — see methodology.

Where Wells Fargo Bank, National Association lent

States with at least 50 loans in 2025, ranked by volume.