TOWER Federal Credit Union
3,617 mortgages originated in 2025 across 11 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
- 3,617
- Median rate
- 7.000%
- Median lender fees
- $3,566
- Median loan amount
- $155,000
- Median spread over APOR
- -0.200
- Paid discount points
- 2.4%
- Received lender credits
- 2.5%
- Purchases / refinances
- 16.3% / 24.4%
- 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 21.9% of loans here — see methodology.
Where TOWER Federal Credit Union lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Maryland | 1,696 | $3,709 | 7.000% |
| Virginia | 681 | — | 7.000% |
| New Jersey | 223 | — | 7.000% |
| Pennsylvania | 190 | — | 7.000% |
| North Carolina | 101 | — | 7.000% |
| Florida | 91 | — | 7.000% |
| South Carolina | 87 | — | 7.000% |
| District of Columbia | 67 | — | 7.000% |
| Delaware | 61 | — | 7.000% |
| Georgia | 60 | — | 7.000% |
| Illinois | 53 | — | 7.000% |