Purchase Originations
436
Median Total Costs
$2,589
−61.2% vs national ($6,680)
↑ $64 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$795
Median Lender Credits
$55
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 436 | 6.625% | $2,589 | $795 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 413 | 6.625% | $2,574 | #41 |
| Kentucky | 9 | 6.625% | $3,778 | — |
| New York | 4 | 6.625% | $3,690 | — |
| Florida | 2 | 6.000% | $5,120 | — |
| North Carolina | 2 | 6.875% | $3,228 | — |
| Pennsylvania | 2 | 6.312% | $4,292 | — |
| Alabama | 1 | 6.125% | $3,629 | — |
| Iowa | 1 | 6.375% | $2,880 | — |
| Michigan | 1 | 7.000% | $3,563 | — |
| Texas | 1 | 5.750% | $6,579 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,372 | 6.625% | — | 10 | −$217 | |
| 2 | $2,373 | 6.625% | — | 12 | −$216 | |
| 3 | $2,468 | 6.500% | — | 25 | −$121 | |
| 4 | $2,505 | 6.812% | — | 18 | −$84 | |
| 5 | $2,529 | 6.625% | — | 5 | −$60 | |
| 6 | $2,538 | 6.875% | — | 17 | −$51 | |
| 7 | $2,562 | 6.500% | — | 132 | −$27 | |
| 8 | $2,621 | 6.750% | — | 28 | +$32 | |
| 9 | $2,623 | 6.750% | — | 38 | +$34 | |
| 10 | $2,637 | 6.500% | — | 24 | +$48 | |
| 11 | $2,644 | 6.875% | — | 6 | +$55 | |
| 12 | $2,705 | 6.312% | — | 8 | +$116 | |
| 13 | $2,706 | 6.500% | — | 24 | +$117 | |
| 14 | $2,728 | 6.688% | — | 20 | +$139 | |
| 15 | $2,830 | 6.688% | — | 10 | +$241 | |
| 16 | $2,949 | 7.000% | — | 5 | +$360 | |
| 17 | $3,172 | 6.375% | — | 4 | +$583 | |
| 18 | $3,298 | 6.250% | — | 4 | +$709 | |
| 19 | $3,690 | 6.625% | — | 4 | +$1,101 | |
| 20 | $5,494 | 6.500% | — | 5 | +$2,905 |
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 | Centra Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $2,589 | $7,127 | −$4,538 (−63.7%) |
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.