Purchase Originations
155
Median Total Costs
$4,571
−31.6% vs national ($6,680)
↑ $367 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,125
Median Lender Credits
$107
Denial Rate
21.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 145 | 5.625% | $4,526 | $1,125 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 138 | 5.750% | $4,559 | #81 |
| Pennsylvania | 9 | 5.750% | $5,416 | — |
| Florida | 4 | 6.062% | $4,709 | — |
| Delaware | 2 | 6.062% | $4,149 | — |
| North Carolina | 1 | 5.500% | $3,779 | — |
| South Carolina | 1 | 5.625% | $7,735 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,205 | 5.500% | — | 1 | −$1,366 | |
| 2 | $3,534 | 6.625% | — | 1 | −$1,037 | |
| 3 | $3,765 | 5.500% | — | 1 | −$806 | |
| 4 | $3,779 | 5.500% | — | 1 | −$792 | |
| 5 | $4,252 | 5.625% | — | 1 | −$319 | |
| 6 | $4,323 | 5.500% | — | 1 | −$248 | |
| 7 | $4,402 | 5.625% | — | 19 | −$169 | |
| 8 | $4,533 | 6.625% | — | 1 | −$38 | |
| 9 | $4,536 | 5.812% | — | 80 | −$35 | |
| 10 | $4,632 | 5.625% | — | 23 | +$61 | |
| 11 | $4,770 | 6.500% | — | 3 | +$199 | |
| 12 | $4,857 | 5.750% | — | 5 | +$286 | |
| 13 | $5,009 | 6.875% | — | 1 | +$438 | |
| 14 | $5,082 | 5.750% | — | 3 | +$511 | |
| 15 | $5,413 | 5.938% | — | 2 | +$842 | |
| 16 | $5,416 | 6.375% | — | 3 | +$845 | |
| 17 | $5,461 | 5.375% | — | 1 | +$890 | |
| 18 | $5,885 | 6.125% | — | 1 | +$1,314 | |
| 19 | $6,282 | 5.812% | — | 2 | +$1,711 | |
| 20 | $14,288 | 6.000% | — | 1 | +$9,717 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Aberdeen Proving Ground Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,571 | $7,127 | −$2,556 (−35.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.