Purchase Originations
328
Median Total Costs
$4,138
−38.0% vs national ($6,680)
↓ $285 vs prior year
Median Rate
6.115%
−5.8% vs national (6.490%)
↑ 0.115% vs prior year
Median Origination
$700
Median Lender Credits
$500
Denial Rate
7.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 321 | 6.115% | $4,103 | $621 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 267 | 6.240% | $4,208 | #83 |
| New Jersey | 38 | 5.990% | $3,836 | — |
| Florida | 7 | 5.990% | $4,368 | — |
| Delaware | 6 | 6.053% | $4,326 | — |
| New York | 3 | 6.250% | $5,229 | — |
| North Carolina | 2 | 5.938% | $2,452 | — |
| Maryland | 1 | 6.090% | $4,430 | — |
| Ohio | 1 | 5.875% | $3,160 | — |
| Virginia | 1 | 6.275% | $3,677 | — |
| Wisconsin | 1 | 5.990% | $3,437 | — |
| West Virginia | 1 | 6.000% | $2,777 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,396 | 6.375% | — | 1 | −$1,742 | |
| 2 | $2,507 | 5.500% | — | 1 | −$1,631 | |
| 3 | $3,401 | 5.870% | — | 8 | −$737 | |
| 4 | $3,705 | 6.183% | — | 8 | −$433 | |
| 5 | $3,851 | 6.250% | — | 15 | −$287 | |
| 6 | $3,898 | 5.990% | — | 7 | −$240 | |
| 7 | $3,901 | 6.000% | — | 3 | −$237 | |
| 8 | $3,957 | 6.275% | — | 3 | −$181 | |
| 9 | $3,970 | 5.925% | — | 1 | −$168 | |
| 10 | $4,042 | 6.115% | — | 65 | −$96 | |
| 11 | $4,172 | 6.115% | — | 3 | +$34 | |
| 12 | $4,229 | 6.215% | — | 22 | +$91 | |
| 13 | $4,277 | 6.250% | — | 64 | +$139 | |
| 14 | $4,302 | 6.115% | — | 73 | +$164 | |
| 15 | $4,370 | 6.133% | — | 4 | +$232 | |
| 16 | $4,377 | 5.990% | — | 2 | +$239 | |
| 17 | $4,480 | 5.990% | — | 3 | +$342 | |
| 18 | $4,497 | 5.990% | — | 16 | +$359 | |
| 19 | $6,236 | 6.275% | — | 2 | +$2,098 | |
| 20 | $6,629 | 6.370% | — | 2 | +$2,491 |
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 | American Heritage FCU | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $4,138 | $7,127 | −$2,989 (−41.9%) |
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.