Purchase Originations
109
Median Total Costs
$3,844
−42.5% vs national ($6,680)
↑ $69 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$699
Median Lender Credits
$745
Denial Rate
6.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 5.875% | $3,844 | $699 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 84 | 5.750% | $3,976 | #99 |
| New Hampshire | 23 | 5.990% | $3,464 | — |
| Maine | 2 | 5.938% | $4,463 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,374 | 5.875% | — | 19 | −$470 | |
| 2 | $3,382 | 5.990% | — | 8 | −$462 | |
| 3 | $3,743 | 5.688% | — | 10 | −$101 | |
| 4 | $3,908 | 5.625% | — | 1 | +$64 | |
| 5 | $3,920 | 5.990% | — | 24 | +$76 | |
| 6 | $3,920 | 5.990% | — | 2 | +$76 | |
| 7 | $3,962 | 5.750% | — | 10 | +$118 | |
| 8 | $3,971 | 5.688% | — | 4 | +$127 | |
| 9 | $4,054 | 6.062% | — | 2 | +$210 | |
| 10 | $4,373 | 5.750% | — | 21 | +$529 | |
| 11 | $4,568 | 5.500% | — | 7 | +$724 | |
| 12 | $5,018 | 6.250% | — | 1 | +$1,174 |
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 | Brightbridge Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $545,000 | $335,000 | +$210,000 (+62.7%) |
| Median total closing costs | $3,844 | $7,127 | −$3,283 (−46.1%) |
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.