Purchase Originations
206
Median Total Costs
$8,934
+33.7% vs national ($6,680)
↓ $1,066 vs prior year
Median Rate
6.812%
+5.0% vs national (6.490%)
↓ 0.313% vs prior year
Median Origination
$4,606
Median Lender Credits
$505
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 206 | 6.812% | $8,934 | $4,606 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 59 | 6.625% | $6,539 | #328 |
| California | 25 | 6.875% | $22,805 | — |
| Louisiana | 13 | 6.500% | $4,809 | — |
| New York | 13 | 7.250% | $10,955 | — |
| Florida | 11 | 7.125% | $9,868 | — |
| New Jersey | 10 | 7.188% | $12,040 | — |
| Colorado | 7 | 7.000% | $16,222 | — |
| Washington | 6 | 6.875% | $19,101 | — |
| Connecticut | 5 | 7.250% | $10,655 | — |
| Illinois | 5 | 7.000% | $10,132 | — |
| Arizona | 4 | 6.625% | $14,224 | — |
| Georgia | 4 | 7.000% | $7,253 | — |
| Delaware | 3 | 7.875% | $6,860 | — |
| Massachusetts | 3 | 7.250% | $9,967 | — |
| Oklahoma | 3 | 6.125% | $7,884 | — |
| South Carolina | 3 | 7.375% | $9,990 | — |
| Wisconsin | 3 | 7.250% | $4,029 | — |
| Alabama | 2 | 6.562% | $7,429 | — |
| Idaho | 2 | 6.750% | $23,854 | — |
| Kansas | 2 | 6.938% | $6,754 | — |
| Montana | 2 | 7.500% | $21,018 | — |
| North Carolina | 2 | 6.558% | $11,061 | — |
| New Mexico | 2 | 7.000% | $8,030 | — |
| Ohio | 2 | 6.558% | $8,439 | — |
| Oregon | 2 | 6.375% | $17,834 | — |
| Tennessee | 2 | 7.188% | $9,443 | — |
| Utah | 2 | 6.812% | $22,119 | — |
| Virginia | 2 | 6.933% | $5,639 | — |
| Hawaii | 1 | 6.250% | $37,477 | — |
| Kentucky | 1 | 6.125% | $10,202 | — |
| Maryland | 1 | 6.000% | $5,235 | — |
| Michigan | 1 | 6.625% | $4,321 | — |
| Minnesota | 1 | 6.375% | $6,459 | — |
| Missouri | 1 | 7.125% | $5,212 | — |
| Pennsylvania | 1 | 7.125% | $5,591 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,199 | 6.312% | — | 2 | −$4,735 | |
| 2 | $4,847 | 6.875% | — | 3 | −$4,087 | |
| 3 | $4,958 | 6.500% | — | 7 | −$3,976 | |
| 4 | $5,563 | 5.875% | — | 3 | −$3,371 | |
| 5 | $6,021 | 6.625% | — | 6 | −$2,913 | |
| 6 | $6,227 | 6.688% | — | 10 | −$2,707 | |
| 7 | $6,687 | 6.750% | — | 12 | −$2,247 | |
| 8 | $6,742 | 6.875% | — | 5 | −$2,192 | |
| 9 | $8,689 | 6.250% | — | 5 | −$245 | |
| 10 | $9,964 | 7.250% | — | 4 | +$1,030 | |
| 11 | $10,478 | 7.375% | — | 2 | +$1,544 | |
| 12 | $10,502 | 6.875% | — | 4 | +$1,568 | |
| 13 | $11,837 | 7.500% | — | 3 | +$2,903 | |
| 14 | $12,396 | 7.250% | — | 3 | +$3,462 | |
| 15 | $15,519 | 7.000% | — | 3 | +$6,585 | |
| 16 | $16,953 | 6.625% | — | 2 | +$8,019 | |
| 17 | $16,977 | 7.250% | — | 3 | +$8,043 | |
| 18 | $20,000 | 6.875% | — | 4 | +$11,066 | |
| 19 | $28,431 | 6.500% | — | 5 | +$19,497 | |
| 20 | $29,079 | 7.000% | — | 3 | +$20,145 |
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 | Advancial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $8,934 | $7,127 | +$1,807 (+25.4%) |
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.