Purchase Originations
436
Median Total Costs
$3,018
−54.8% vs national ($6,680)
↑ $140 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$525
Median Lender Credits
$1,000
Denial Rate
6.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 422 | 5.938% | $3,004 | $525 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,500 | 5.688% | — | 6 | −$518 | |
| 2 | $2,726 | 5.812% | — | 4 | −$292 | |
| 3 | $2,743 | 6.000% | — | 13 | −$275 | |
| 4 | $2,798 | 5.875% | — | 9 | −$220 | |
| 5 | $2,825 | 5.875% | — | 6 | −$193 | |
| 6 | $2,838 | 6.125% | — | 16 | −$180 | |
| 7 | $2,884 | 6.000% | — | 25 | −$134 | |
| 8 | $2,905 | 5.938% | — | 4 | −$113 | |
| 9 | $2,910 | 6.000% | — | 13 | −$108 | |
| 10 | $2,920 | 5.750% | — | 5 | −$98 | |
| 11 | $3,004 | 6.000% | — | 97 | −$14 | |
| 12 | $3,054 | 5.875% | — | 57 | +$36 | |
| 13 | $3,075 | 6.000% | — | 19 | +$57 | |
| 14 | $3,102 | 6.000% | — | 26 | +$84 | |
| 15 | $3,202 | 5.875% | — | 40 | +$184 | |
| 16 | $3,212 | 6.000% | — | 19 | +$194 | |
| 17 | $3,242 | 6.000% | — | 11 | +$224 | |
| 18 | $3,261 | 5.562% | — | 4 | +$243 | |
| 19 | $3,421 | 5.625% | — | 14 | +$403 | |
| 20 | $4,265 | 5.250% | — | 4 | +$1,247 |
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 | Abound Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,018 | $7,127 | −$4,109 (−57.7%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.