Purchase Originations
434
Median Total Costs
$5,264
−21.2% vs national ($6,680)
↓ $125 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$2,845
Median Lender Credits
$535
Denial Rate
21.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 399 | 6.500% | $4,873 | $2,782 |
| fha | 24 | 6.188% | $13,025 | $3,782 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 313 | 6.490% | $5,304 | #21 |
| Nevada | 71 | 6.625% | $5,266 | #76 |
| Arizona | 27 | 6.625% | $5,485 | — |
| Idaho | 20 | 6.562% | $4,262 | — |
| New Mexico | 3 | 6.000% | $4,844 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.240% | — | 5 | −$5,264 | |
| 2 | $3,096 | 6.750% | — | 8 | −$2,168 | |
| 3 | $3,122 | 6.125% | — | 19 | −$2,142 | |
| 4 | $3,131 | 6.375% | — | 3 | −$2,133 | |
| 5 | $3,380 | 6.115% | — | 6 | −$1,884 | |
| 6 | $4,336 | 6.375% | — | 16 | −$928 | |
| 7 | $4,423 | 6.250% | — | 4 | −$841 | |
| 8 | $4,785 | 6.250% | — | 8 | −$479 | |
| 9 | $4,873 | 6.500% | — | 57 | −$391 | |
| 10 | $5,280 | 6.312% | — | 24 | +$16 | |
| 11 | $5,350 | 6.812% | — | 4 | +$86 | |
| 12 | $5,488 | 6.375% | — | 60 | +$224 | |
| 13 | $5,646 | 6.500% | — | 57 | +$382 | |
| 14 | $5,692 | 6.125% | — | 5 | +$428 | |
| 15 | $5,748 | 6.500% | — | 5 | +$484 | |
| 16 | $6,028 | 6.375% | — | 66 | +$764 | |
| 17 | $6,086 | 6.500% | — | 29 | +$822 | |
| 18 | $6,126 | 6.625% | — | 3 | +$862 | |
| 19 | $6,397 | 6.625% | — | 9 | +$1,133 | |
| 20 | $8,872 | 6.125% | — | 3 | +$3,608 |
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 | AMERICA FIRST Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $5,264 | $7,127 | −$1,863 (−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.