STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED
2,813 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
- 2,813
- Median rate
- 6.125%
- Median lender fees
- $4,679
- Median loan amount
- $125,000
- Median spread over APOR
- -0.099
- Paid discount points
- 14.7%
- Received lender credits
- 9.3%
- Purchases / refinances
- 22% / 28.3%
- Conventional / FHA / VA
- 97.7% / 2.1% / 0.2%
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 30.7% of loans here — see methodology.
Where STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Maryland | 2,466 | $4,541 | 6.250% |
| Virginia | 168 | $5,794 | 5.750% |
| Pennsylvania | 68 | — | 6.063% |