Royal Credit Union
4,702 mortgages originated in 2025 across 2 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
- 4,702
- Median rate
- 6.750%
- Median lender fees
- $4,342
- Median loan amount
- $165,000
- Median spread over APOR
- 0.183
- Paid discount points
- 19.7%
- Received lender credits
- 19.8%
- Purchases / refinances
- 49.5% / 13.5%
- Conventional / FHA / VA
- 95.9% / 3.2% / 0.8%
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 51.8% of loans here — see methodology.
Where Royal Credit Union lent
States with at least 50 loans in 2025, ranked by volume.