Citadel Federal Credit Union
2,441 mortgages originated in 2025 across 3 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,441
- Median rate
- 4.490%
- Median lender fees
- $86
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $125,000
- Above the going rate (spread over APOR)
- 0.601
- Paid discount points
- 2.6%
- Received lender credits
- 2.5%
- Purchases / refinances
- 11.3% / 32.4%
- Conventional / FHA / VA
- 98% / 1.8% / 0.2%
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 37.3% of loans here — see methodology.
Where Citadel Federal Credit Union lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Pennsylvania | 2,255 | $86 | 3.990% |
| New Jersey | 93 | — | 4.490% |
| Delaware | 65 | — | 6.625% |