QUORUM FEDERAL CREDIT UNION
5,048 mortgages originated in 2025 across 22 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
- 5,048
- Median rate
- 8.625%
- Median lender fees
- $3,673
- Median loan amount
- $135,000
- Median spread over APOR
- 1.505
- Paid discount points
- 0.1%
- Received lender credits
- 0.4%
- Purchases / refinances
- 3.4% / 91.5%
- 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 9.3% of loans here — see methodology.
Where QUORUM FEDERAL CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,243 | $3,774 | 8.375% |
| New York | 460 | $4,328 | 8.625% |
| Florida | 389 | — | 8.625% |
| New Jersey | 308 | — | 8.625% |
| Arizona | 246 | — | 8.625% |
| Washington | 207 | — | 8.500% |
| Virginia | 171 | — | 8.740% |
| North Carolina | 137 | — | 8.875% |
| Tennessee | 136 | — | 8.625% |
| Illinois | 123 | — | 8.750% |
| Oregon | 122 | — | 8.625% |
| Colorado | 122 | — | 8.625% |
| Georgia | 121 | — | 8.875% |
| Connecticut | 115 | — | 8.875% |
| Maryland | 112 | — | 9.625% |
| Nevada | 111 | — | 8.625% |
| Massachusetts | 98 | — | 9.125% |
| Pennsylvania | 77 | — | 9.125% |
| Missouri | 76 | — | 8.813% |
| South Carolina | 75 | — | 8.625% |
| Ohio | 74 | — | 9.125% |
| Utah | 63 | — | 8.750% |