WASHINGTON STATE EMPLOYEES CREDIT UNION
2,130 mortgages originated in 2025 across one state, 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
- 2,130
- Median rate
- 7.240%
- Median lender fees
- —
- Median loan amount
- $105,000
- Median spread over APOR
- 0.650
- Paid discount points
- 4.8%
- Received lender credits
- 1.9%
- Purchases / refinances
- 12.1% / 29.8%
- Conventional / FHA / VA
- 97.5% / 2.1% / 0.5%
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 50.3% of loans here — see methodology.
Where WASHINGTON STATE EMPLOYEES CREDIT UNION lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Washington | 2,088 | — | 7.240% |