Valley National Bank
3,036 mortgages originated in 2025 across 4 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
- 3,036
- Median rate
- 6.490%
- Median lender fees
- $4,974
- Median loan amount
- $265,000
- Median spread over APOR
- -0.075
- Paid discount points
- 7.2%
- Received lender credits
- 15.2%
- Purchases / refinances
- 37.8% / 21.3%
- Conventional / FHA / VA
- 98.8% / 0.9% / 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 49.4% of loans here — see methodology.
Where Valley National Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New Jersey | 1,659 | $4,840 | 6.490% |
| New York | 656 | $4,983 | 6.250% |
| Florida | 507 | $5,365 | 6.490% |
| Alabama | 99 | — | 6.490% |