ESL Federal Credit Union

5,532 mortgages originated in 2025 across one state, 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: 5,532
Median rate: 4.500%
Median lender fees: $3,015

Median loan amount: $85,000
Median spread over APOR: 0.205
Paid discount points: 2.8%
Received lender credits: 4.1%
Purchases / refinances: 14% / 15.9%
Conventional / FHA / VA: 98.7% / 1.2% / 0.1%

Across all lenders nationally in 2025, the median rate was 6.625% and median lender fees were $5,786 on 6,807,732 originations. Fee levels differ with the mix of loans a lender makes — purchase against refinance, conventional against government-backed — as well as with what it charges.

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 23.8% of loans here — see methodology.

Where ESL Federal Credit Union lent

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

State	Loans	Median fees	Median rate
New York	5,532	$3,015	4.500%