CREDIT HUMAN FEDERAL CREDIT UNION
2,630 mortgages originated in 2025 across 10 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
- 2,630
- Median rate
- 8.400%
- Median lender fees
- $4,137
- Median loan amount
- $95,000
- Median spread over APOR
- 2.450
- Paid discount points
- 0.8%
- Received lender credits
- 5.9%
- Purchases / refinances
- 87% / 5.8%
- Conventional / FHA / VA
- 100% / 0% / 0%
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 18.2% of loans here — see methodology.
Where CREDIT HUMAN FEDERAL CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 464 | $589 | 7.800% |
| California | 453 | — | 8.700% |
| Arizona | 321 | $6,648 | 8.400% |
| Florida | 160 | — | 8.400% |
| Washington | 152 | — | 8.500% |
| Pennsylvania | 125 | — | 8.500% |
| New York | 122 | — | 8.400% |
| Louisiana | 114 | $4,018 | 6.800% |
| Oregon | 112 | — | 8.500% |
| Oklahoma | 54 | — | 8.000% |