Purchase Originations
319
Median Total Costs
$3,766
−43.6% vs national ($6,680)
↑ $267 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$595
Median Lender Credits
$38
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 312 | 5.750% | $3,753 | $595 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,718 | 5.625% | — | 54 | −$1,048 | |
| 2 | $3,157 | 6.125% | — | 5 | −$609 | |
| 3 | $3,327 | 6.625% | — | 9 | −$439 | |
| 4 | $3,345 | 5.812% | — | 18 | −$421 | |
| 5 | $3,472 | 5.625% | — | 12 | −$294 | |
| 6 | $3,497 | 5.938% | — | 34 | −$269 | |
| 7 | $3,524 | 6.125% | — | 3 | −$242 | |
| 8 | $3,560 | 6.125% | — | 3 | −$206 | |
| 9 | $3,592 | 6.125% | — | 20 | −$174 | |
| 10 | $3,681 | 5.625% | — | 4 | −$85 | |
| 11 | $3,740 | 6.125% | — | 6 | −$26 | |
| 12 | $3,801 | 5.625% | — | 5 | +$35 | |
| 13 | $3,831 | 5.875% | — | 11 | +$65 | |
| 14 | $3,884 | 6.062% | — | 4 | +$118 | |
| 15 | $4,088 | 5.500% | — | 3 | +$322 | |
| 16 | $4,685 | 5.625% | — | 48 | +$919 | |
| 17 | $4,993 | 5.625% | — | 22 | +$1,227 | |
| 18 | $5,030 | 6.000% | — | 11 | +$1,264 | |
| 19 | $5,508 | 7.125% | — | 3 | +$1,742 | |
| 20 | $5,699 | 5.812% | — | 2 | +$1,933 |
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 | Ascend Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $3,766 | $7,127 | −$3,361 (−47.2%) |
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.