Purchase Originations
289
Median Total Costs
$2,877
−56.9% vs national ($6,680)
↑ $72 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$895
Median Lender Credits
$1,031
Denial Rate
3.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 283 | 6.500% | $2,868 | $895 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,584 | 6.250% | — | 1 | −$293 | |
| 2 | $2,650 | 6.188% | — | 4 | −$227 | |
| 3 | $2,675 | 6.312% | — | 4 | −$202 | |
| 4 | $2,712 | 5.375% | — | 1 | −$165 | |
| 5 | $2,724 | 6.375% | — | 19 | −$153 | |
| 6 | $2,737 | 6.438% | — | 4 | −$140 | |
| 7 | $2,769 | 6.500% | — | 1 | −$108 | |
| 8 | $2,867 | 6.500% | — | 182 | −$10 | |
| 9 | $2,877 | 6.500% | — | 47 | +$0 | |
| 10 | $2,935 | 6.750% | — | 1 | +$58 | |
| 11 | $3,069 | 6.688% | — | 2 | +$192 | |
| 12 | $3,144 | 6.625% | — | 3 | +$267 | |
| 13 | $3,158 | 6.688% | — | 4 | +$281 | |
| 14 | $3,224 | 6.625% | — | 9 | +$347 | |
| 15 | $3,286 | 6.250% | — | 4 | +$409 | |
| 16 | $3,654 | 5.875% | — | 1 | +$777 | |
| 17 | $3,720 | 6.500% | — | 1 | +$843 | |
| 18 | $3,754 | 7.000% | — | 1 | +$877 |
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 | Centris Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $2,877 | $7,127 | −$4,250 (−59.6%) |
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.