Service Federal Credit Union
2,074 mortgages originated in 2025 across 3 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
- 2,074
- Median rate
- 6.490%
- Median lender fees
- $2,548
- Median loan amount
- $145,000
- Median spread over APOR
- -0.597
- Paid discount points
- 2.1%
- Received lender credits
- 19.3%
- Purchases / refinances
- 20.4% / 14%
- Conventional / FHA / VA
- 97.3% / 0% / 2.7%
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 54.8% of loans here — see methodology.
Where Service Federal Credit Union lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New Hampshire | 1,321 | — | 6.490% |
| Massachusetts | 184 | $3,293 | 6.490% |
| Maine | 126 | $3,111 | 6.490% |