Purchase Originations
237
Median Total Costs
$4,679
−30.0% vs national ($6,680)
↓ $918 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,000
Median Lender Credits
$2,000
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 237 | 6.375% | $4,679 | $1,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 232 | 6.375% | $4,693 | #148 |
| Maine | 2 | 6.000% | $3,594 | — |
| Georgia | 1 | 6.500% | $4,996 | — |
| North Carolina | 1 | 7.125% | $3,669 | — |
| Ohio | 1 | 5.125% | $3,262 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,196 | 7.000% | — | 1 | −$2,483 | |
| 2 | $2,984 | 6.500% | — | 1 | −$1,695 | |
| 3 | $3,303 | 6.188% | — | 4 | −$1,376 | |
| 4 | $3,814 | 6.500% | — | 2 | −$865 | |
| 5 | $4,032 | 6.562% | — | 6 | −$647 | |
| 6 | $4,418 | 6.500% | — | 1 | −$261 | |
| 7 | $4,562 | 6.375% | — | 120 | −$117 | |
| 8 | $4,591 | 6.375% | — | 35 | −$88 | |
| 9 | $4,741 | 6.625% | — | 1 | +$62 | |
| 10 | $5,476 | 6.250% | — | 7 | +$797 | |
| 11 | $5,681 | 6.500% | — | 21 | +$1,002 | |
| 12 | $5,800 | 6.250% | — | 2 | +$1,121 | |
| 13 | $6,263 | 6.438% | — | 8 | +$1,584 | |
| 14 | $6,628 | 6.562% | — | 2 | +$1,949 | |
| 15 | $7,019 | 6.500% | — | 3 | +$2,340 | |
| 16 | $7,788 | 5.938% | — | 2 | +$3,109 | |
| 17 | $8,096 | 6.750% | — | 1 | +$3,417 | |
| 18 | $9,012 | 6.750% | — | 1 | +$4,333 | |
| 19 | $9,015 | 6.625% | — | 5 | +$4,336 | |
| 20 | $11,046 | 5.938% | — | 2 | +$6,367 |
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 | Campus USA Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,679 | $7,127 | −$2,448 (−34.3%) |
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.