Alerus Financial, National Association
2,118 mortgages originated in 2025 across 4 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
- 2,118
- Median rate
- 6.625%
- Median lender fees
- $4,036
- Median loan amount
- $265,000
- Median spread over APOR
- 0.147
- Paid discount points
- 28.3%
- Received lender credits
- 11.2%
- Purchases / refinances
- 53.9% / 23.4%
- Conventional / FHA / VA
- 95.9% / 2.5% / 1.4%
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 59.6% of loans here — see methodology.
Where Alerus Financial, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Minnesota | 1,505 | $4,142 | 6.625% |
| North Dakota | 235 | $3,229 | 7.000% |
| Arizona | 148 | — | 6.000% |
| Wisconsin | 119 | $3,389 | 6.625% |