Purchase Originations
171
Median Total Costs
$2,143
−67.9% vs national ($6,680)
↑ $34 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.750% vs prior year
Median Origination
$675
Median Lender Credits
$200
Denial Rate
14.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 171 | 5.750% | $2,143 | $675 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,036 | 5.750% | — | 48 | −$107 | |
| 2 | $2,075 | 6.875% | — | 3 | −$68 | |
| 3 | $2,093 | 5.750% | — | 62 | −$50 | |
| 4 | $2,140 | 5.750% | — | 10 | −$3 | |
| 5 | $2,179 | 5.750% | — | 1 | +$36 | |
| 6 | $2,242 | 5.750% | — | 5 | +$99 | |
| 7 | $2,293 | 6.625% | — | 1 | +$150 | |
| 8 | $2,328 | 6.000% | — | 18 | +$185 | |
| 9 | $2,348 | 5.750% | — | 18 | +$205 | |
| 10 | $2,383 | 5.750% | — | 3 | +$240 | |
| 11 | $2,393 | 7.000% | — | 1 | +$250 | |
| 12 | $3,037 | 5.500% | — | 1 | +$894 |
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 | Ascentra Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $135,000 | $335,000 | −$200,000 (−59.7%) |
| Median total closing costs | $2,143 | $7,127 | −$4,984 (−69.9%) |
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.