UNITED FEDERAL CREDIT UNION
3,216 mortgages originated in 2025 across 8 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
- 3,216
- Median rate
- 7.050%
- Median lender fees
- $3,550
- Median loan amount
- $145,000
- Median spread over APOR
- 0.474
- Paid discount points
- 18.4%
- Received lender credits
- 19.6%
- Purchases / refinances
- 38.2% / 22.2%
- Conventional / FHA / VA
- 95.5% / 3.5% / 0.6%
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 62.7% of loans here — see methodology.
Where UNITED FEDERAL CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Michigan | 1,072 | $3,444 | 7.050% |
| Nevada | 551 | $3,570 | 7.050% |
| North Carolina | 485 | $4,134 | 7.000% |
| Arkansas | 478 | $3,268 | 6.813% |
| Indiana | 211 | $2,940 | 6.875% |
| Ohio | 163 | $3,201 | 7.000% |
| Pennsylvania | 59 | — | 7.250% |
| Oklahoma | 59 | — | 6.500% |