Purchase Originations
222
Median Total Costs
$3,347
−49.9% vs national ($6,680)
↑ $271 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$850
Median Lender Credits
$500
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 193 | 6.750% | $3,217 | $850 |
| fha | 25 | 6.000% | $7,115 | $850 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 193 | 6.625% | $3,292 | #61 |
| Oklahoma | 5 | 7.000% | $4,108 | — |
| Texas | 5 | 5.990% | $5,654 | — |
| Kansas | 4 | 6.438% | $3,391 | — |
| Arkansas | 2 | 7.688% | $6,120 | — |
| Florida | 2 | 7.125% | $3,653 | — |
| Michigan | 2 | 6.807% | $3,424 | — |
| Wisconsin | 2 | 6.808% | $2,428 | — |
| Alaska | 1 | 7.500% | $7,263 | — |
| Arizona | 1 | 7.250% | $5,380 | — |
| California | 1 | 6.490% | $2,908 | — |
| Georgia | 1 | 6.875% | $3,380 | — |
| Iowa | 1 | 6.125% | $2,410 | — |
| Illinois | 1 | 6.375% | $5,718 | — |
| Massachusetts | 1 | 7.000% | $3,117 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,990 | 6.624% | — | 1 | −$1,357 | |
| 2 | $2,145 | 6.807% | — | 8 | −$1,202 | |
| 3 | $2,183 | 7.375% | — | 2 | −$1,164 | |
| 4 | $2,317 | 6.490% | — | 9 | −$1,030 | |
| 5 | $2,446 | 6.558% | — | 6 | −$901 | |
| 6 | $2,673 | 6.249% | — | 2 | −$674 | |
| 7 | $2,708 | 7.375% | — | 1 | −$639 | |
| 8 | $3,212 | 6.745% | — | 4 | −$135 | |
| 9 | $3,228 | 6.625% | — | 3 | −$119 | |
| 10 | $3,300 | 6.990% | — | 37 | −$47 | |
| 11 | $3,670 | 6.250% | — | 5 | +$323 | |
| 12 | $3,692 | 6.624% | — | 101 | +$345 | |
| 13 | $3,816 | 6.990% | — | 1 | +$469 | |
| 14 | $3,844 | 7.375% | — | 2 | +$497 | |
| 15 | $4,108 | 6.624% | — | 3 | +$761 | |
| 16 | $4,165 | 7.062% | — | 2 | +$818 | |
| 17 | $5,380 | 7.250% | — | 1 | +$2,033 | |
| 18 | $7,263 | 7.500% | — | 1 | +$3,916 | |
| 19 | $9,533 | 8.000% | — | 1 | +$6,186 | |
| 20 | $11,770 | 5.808% | — | 2 | +$8,423 |
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 | ASSEMBLIES OF GOD Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $3,347 | $7,127 | −$3,780 (−53.0%) |
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.