Purchase Originations
142
Median Total Costs
$5,266
−21.2% vs national ($6,680)
↑ $358 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,295
Median Lender Credits
$200
Denial Rate
11.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 137 | 6.000% | $5,217 | $1,295 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 140 | 6.000% | $5,266 | #196 |
| North Carolina | 1 | 6.000% | $4,280 | — |
| Tennessee | 1 | 5.750% | $13,328 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,274 | 5.875% | — | 4 | −$992 | |
| 2 | $4,280 | 6.000% | — | 1 | −$986 | |
| 3 | $4,384 | 6.188% | — | 2 | −$882 | |
| 4 | $4,570 | 5.750% | — | 3 | −$696 | |
| 5 | $4,888 | 5.000% | — | 1 | −$378 | |
| 6 | $5,095 | 5.875% | — | 9 | −$171 | |
| 7 | $5,216 | 6.250% | — | 48 | −$50 | |
| 8 | $5,268 | 6.250% | — | 9 | +$2 | |
| 9 | $5,275 | 6.875% | — | 1 | +$9 | |
| 10 | $5,304 | 5.875% | — | 23 | +$38 | |
| 11 | $5,327 | 6.875% | — | 1 | +$61 | |
| 12 | $5,444 | 6.125% | — | 6 | +$178 | |
| 13 | $5,488 | 6.125% | — | 13 | +$222 | |
| 14 | $5,568 | 5.875% | — | 17 | +$302 | |
| 15 | $6,105 | 5.875% | — | 3 | +$839 | |
| 16 | $13,328 | 5.750% | — | 1 | +$8,062 |
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 | Achieva Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $5,266 | $7,127 | −$1,861 (−26.1%) |
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.