Purchase Originations
100
Median Total Costs
$1,408
−78.9% vs national ($6,680)
↑ $171 vs prior year
Median Rate
9.000%
+38.7% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$200
Median Lender Credits
$243
Denial Rate
18.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 100 | 9.000% | $1,408 | $200 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maine | 100 | 9.000% | $1,408 | #25 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,341 | 9.125% | — | 10 | −$67 | |
| 2 | $1,353 | 9.250% | — | 30 | −$55 | |
| 3 | $1,379 | 8.750% | — | 7 | −$29 | |
| 4 | $1,418 | 9.000% | — | 43 | +$10 | |
| 5 | $2,404 | 8.375% | — | 4 | +$996 | |
| 6 | $2,566 | 8.875% | — | 4 | +$1,158 | |
| 7 | $2,864 | 8.625% | — | 2 | +$1,456 |
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 | Atlantic Regional Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $100,000 | $335,000 | −$235,000 (−70.1%) |
| Median total closing costs | $1,408 | $7,127 | −$5,719 (−80.2%) |
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.