Purchase Originations
331
Median Total Costs
$3,337
−50.0% vs national ($6,680)
↑ $313 vs prior year
Median Rate
6.550%
+0.9% vs national (6.490%)
↓ 0.400% vs prior year
Median Origination
$580
Median Lender Credits
$300
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 303 | 6.625% | $3,215 | $580 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,180 | 6.588% | — | 6 | −$1,157 | |
| 2 | $2,266 | 6.433% | — | 6 | −$1,071 | |
| 3 | $2,327 | 6.362% | — | 2 | −$1,010 | |
| 4 | $2,553 | 6.625% | — | 115 | −$784 | |
| 5 | $2,831 | 6.412% | — | 2 | −$506 | |
| 6 | $2,897 | 6.500% | — | 21 | −$440 | |
| 7 | $2,970 | 6.883% | — | 2 | −$367 | |
| 8 | $3,054 | 6.737% | — | 14 | −$283 | |
| 9 | $3,313 | 6.513% | — | 2 | −$24 | |
| 10 | $3,320 | 7.075% | — | 3 | −$17 | |
| 11 | $4,112 | 6.450% | — | 45 | +$775 | |
| 12 | $4,500 | 6.250% | — | 29 | +$1,163 | |
| 13 | $4,765 | 6.675% | — | 4 | +$1,428 | |
| 14 | $4,814 | 6.975% | — | 5 | +$1,477 | |
| 15 | $4,967 | 7.975% | — | 2 | +$1,630 | |
| 16 | $5,016 | 6.125% | — | 23 | +$1,679 | |
| 17 | $5,593 | 5.875% | — | 11 | +$2,256 | |
| 18 | $5,648 | 6.062% | — | 2 | +$2,311 | |
| 19 | $5,910 | 6.400% | — | 2 | +$2,573 | |
| 20 | $5,942 | 7.062% | — | 2 | +$2,605 |
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 | ALTRA Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,337 | $7,127 | −$3,790 (−53.2%) |
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.