Navy Federal Credit Union
80,547 mortgages originated in 2025 across 51 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
- 80,547
- Median rate
- 7.650%
- Median lender fees
- $2,534
- Median loan amount
- $165,000
- Median spread over APOR
- 0.550
- Paid discount points
- 6.4%
- Received lender credits
- 7.9%
- Purchases / refinances
- 37.7% / 16%
- Conventional / FHA / VA
- 76.3% / 0% / 23.7%
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 68.2% of loans here — see methodology.
Where Navy Federal Credit Union lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 9,684 | $2,066 | 7.750% |
| Florida | 8,416 | $2,972 | 7.590% |
| California | 6,361 | — | 8.000% |
| North Carolina | 5,249 | $2,619 | 7.125% |
| Maryland | 5,163 | $2,050 | 8.000% |
| Georgia | 5,118 | $2,362 | 7.950% |
| Texas | 4,267 | $3,069 | 6.375% |
| South Carolina | 2,487 | $2,685 | 7.500% |
| Washington | 2,289 | $2,418 | 7.750% |
| Pennsylvania | 2,141 | $3,350 | 7.375% |
| Arizona | 1,960 | $1,717 | 7.750% |
| Tennessee | 1,902 | $2,807 | 7.250% |
| Ohio | 1,830 | $2,795 | 7.000% |
| Colorado | 1,547 | $2,170 | 7.750% |
| Illinois | 1,532 | $2,621 | 7.340% |
| Alabama | 1,525 | $2,302 | 6.875% |
| New Jersey | 1,515 | $2,583 | 7.840% |
| New York | 1,476 | $3,751 | 7.340% |
| Nevada | 1,122 | $1,890 | 7.750% |
| Michigan | 1,099 | $2,419 | 7.000% |
| Missouri | 1,087 | $2,130 | 6.625% |
| Indiana | 906 | $1,823 | 6.750% |
| Louisiana | 860 | $3,501 | 6.500% |
| Connecticut | 812 | $2,922 | 7.650% |
| Oklahoma | 811 | $2,971 | 6.375% |
| Massachusetts | 690 | $3,156 | 7.750% |
| Kentucky | 668 | $2,514 | 6.625% |
| Mississippi | 633 | $2,683 | 6.625% |
| Wisconsin | 602 | $1,993 | 6.625% |
| Oregon | 540 | $3,273 | 7.000% |
| Kansas | 515 | $2,044 | 6.500% |
| New Mexico | 500 | $2,798 | 6.625% |
| West Virginia | 500 | $2,725 | 7.000% |
| Arkansas | 500 | $2,038 | 6.500% |
| Minnesota | 465 | $2,576 | 6.625% |
| Delaware | 344 | $3,422 | 7.750% |
| New Hampshire | 342 | $2,499 | 7.500% |
| Nebraska | 331 | $1,941 | 6.750% |
| Hawaii | 326 | $3,372 | 8.100% |
| Maine | 314 | $2,366 | 7.250% |
| District of Columbia | 297 | $4,077 | 7.750% |
| Idaho | 296 | $3,498 | 7.340% |
| Rhode Island | 294 | $2,874 | 7.340% |
| Utah | 275 | $1,944 | 7.650% |
| Iowa | 229 | $1,939 | 6.375% |
| Montana | 176 | $3,160 | 6.938% |
| Alaska | 168 | $3,815 | 6.250% |
| Wyoming | 115 | $2,014 | 6.250% |
| South Dakota | 104 | $1,937 | 6.375% |
| Vermont | 92 | $3,591 | 6.750% |
| North Dakota | 72 | $5,590 | 6.125% |