Purchase Originations
360
Median Total Costs
$0
−100.0% vs national ($6,680)
↑ $0 vs prior year
Median Rate
5.625%
−13.3% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$0
Median Lender Credits
$341
Denial Rate
1.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 360 | 5.625% | $0 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 360 | 5.625% | $0 | #104 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.625% | — | 188 | +$0 | |
| 2 | $0 | 5.750% | — | 77 | +$0 | |
| 3 | $0 | 5.625% | — | 44 | +$0 | |
| 4 | $0 | 5.750% | — | 28 | +$0 | |
| 5 | $0 | 5.938% | — | 12 | +$0 | |
| 6 | $0 | 5.750% | — | 6 | +$0 | |
| 7 | $0 | 5.625% | — | 1 | +$0 | |
| 8 | $0 | 5.750% | — | 1 | +$0 | |
| 9 | $0 | 5.875% | — | 1 | +$0 | |
| 10 | $0 | 6.000% | — | 1 | +$0 | |
| 11 | $4,170 | 6.125% | — | 1 | +$4,170 |
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 | California Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $770,000 | $335,000 | +$435,000 (+129.9%) |
| Median total closing costs | $0 | $7,127 | −$7,127 (−100.0%) |
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.