Purchase Originations
175
Median Total Costs
$10,191
+52.6% vs national ($6,680)
↑ $1,958 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,286
Median Lender Credits
$1,500
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 150 | 6.500% | $8,926 | $4,802 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,441 | 6.875% | — | 2 | −$6,750 | |
| 2 | $3,879 | 6.875% | — | 1 | −$6,312 | |
| 3 | $4,240 | 7.125% | — | 1 | −$5,951 | |
| 4 | $4,532 | 6.125% | — | 1 | −$5,659 | |
| 5 | $4,743 | 5.875% | — | 1 | −$5,448 | |
| 6 | $5,310 | 5.750% | — | 1 | −$4,881 | |
| 7 | $5,412 | 6.750% | — | 1 | −$4,779 | |
| 8 | $5,836 | 6.688% | — | 2 | −$4,355 | |
| 9 | $5,845 | 6.500% | — | 3 | −$4,346 | |
| 10 | $5,957 | 6.375% | — | 1 | −$4,234 | |
| 11 | $6,965 | 5.750% | — | 1 | −$3,226 | |
| 12 | $8,776 | 6.625% | — | 31 | −$1,415 | |
| 13 | $9,895 | 6.250% | — | 1 | −$296 | |
| 14 | $10,374 | 6.375% | — | 11 | +$183 | |
| 15 | $10,838 | 6.375% | — | 102 | +$647 | |
| 16 | $12,919 | 6.500% | — | 4 | +$2,728 | |
| 17 | $19,752 | 7.062% | — | 2 | +$9,561 | |
| 18 | $20,131 | 7.188% | — | 8 | +$9,940 | |
| 19 | $23,207 | 6.500% | — | 1 | +$13,016 |
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 | Arizona Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $10,191 | $7,127 | +$3,064 (+43.0%) |
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.