Purchase Originations
126
Median Total Costs
$2,307
−65.5% vs national ($6,680)
↑ $153 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$700
Median Lender Credits
$20
Denial Rate
6.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 126 | 6.750% | $2,307 | $700 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,059 | 6.750% | — | 23 | −$248 | |
| 2 | $2,103 | 6.750% | — | 6 | −$204 | |
| 3 | $2,186 | 6.750% | — | 13 | −$121 | |
| 4 | $2,189 | 6.875% | — | 3 | −$118 | |
| 5 | $2,261 | 6.688% | — | 16 | −$46 | |
| 6 | $2,289 | 6.500% | — | 1 | −$18 | |
| 7 | $2,293 | 7.062% | — | 2 | −$14 | |
| 8 | $2,317 | 7.125% | — | 3 | +$10 | |
| 9 | $2,320 | 6.750% | — | 8 | +$13 | |
| 10 | $2,384 | 7.062% | — | 10 | +$77 | |
| 11 | $2,453 | 6.750% | — | 2 | +$146 | |
| 12 | $2,456 | 6.812% | — | 6 | +$149 | |
| 13 | $2,467 | 6.438% | — | 2 | +$160 | |
| 14 | $2,564 | 7.000% | — | 9 | +$257 | |
| 15 | $2,897 | 6.500% | — | 1 | +$590 | |
| 16 | $2,915 | 6.625% | — | 5 | +$608 | |
| 17 | $3,044 | 7.500% | — | 1 | +$737 | |
| 18 | $3,414 | 7.125% | — | 1 | +$1,107 | |
| 19 | $3,515 | 6.750% | — | 3 | +$1,208 | |
| 20 | $5,831 | 6.938% | — | 2 | +$3,524 |
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 | Beacon Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $180,000 | $335,000 | −$155,000 (−46.3%) |
| Median total closing costs | $2,307 | $7,127 | −$4,820 (−67.6%) |
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.