Purchase Originations
182
Median Total Costs
$5,560
−16.8% vs national ($6,680)
↑ $319 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,500
Median Lender Credits
$419
Denial Rate
5.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 182 | 6.125% | $5,560 | $1,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 182 | 6.125% | $5,560 | #215 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,376 | 6.000% | — | 3 | −$184 | |
| 2 | $5,465 | 6.000% | — | 35 | −$95 | |
| 3 | $5,511 | 6.250% | — | 116 | −$49 | |
| 4 | $5,724 | 6.000% | — | 1 | +$164 | |
| 5 | $6,116 | 5.750% | — | 18 | +$556 | |
| 6 | $6,128 | 6.250% | — | 3 | +$568 | |
| 7 | $6,682 | 6.500% | — | 6 | +$1,122 |
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 | Amoco Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $5,560 | $7,127 | −$1,567 (−22.0%) |
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.