USALLIANCE FEDERAL CREDIT UNION
1,799 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
- 1,799
- Median rate
- 8.000%
- Median lender fees
- $3,612
- Median loan amount
- $245,000
- Median spread over APOR
- 1.050
- Paid discount points
- 0.1%
- Received lender credits
- 3.4%
- Purchases / refinances
- 12.5% / 28.7%
- 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 22.1% of loans here — see methodology.
Where USALLIANCE FEDERAL CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 437 | — | 8.000% |
| New Jersey | 170 | $6,412 | 7.875% |
| Florida | 130 | — | 8.000% |
| Massachusetts | 120 | — | 7.750% |
| New York | 99 | — | 7.625% |
| Washington | 95 | — | 8.000% |
| Illinois | 89 | — | 8.000% |
| Connecticut | 63 | — | 7.875% |
| Georgia | 61 | — | 8.000% |
| Pennsylvania | 51 | — | 8.375% |
| Oregon | 51 | — | 8.125% |