TEACHERS FEDERAL CREDIT UNION
2,211 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
- 2,211
- Median rate
- 6.625%
- Median lender fees
- $700
- Median loan amount
- $155,000
- Median spread over APOR
- 0.935
- Paid discount points
- 4.9%
- Received lender credits
- 6.3%
- Purchases / refinances
- 16.7% / 39.8%
- Conventional / FHA / VA
- 99.6% / 0.1% / 0.3%
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 60% of loans here — see methodology.
Where TEACHERS FEDERAL CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New York | 1,805 | — | 6.990% |
| California | 177 | $5,693 | 5.750% |
| Florida | 55 | — | 6.250% |