Purchase Originations
109
Median Total Costs
$6,900
+3.3% vs national ($6,680)
↑ $681 vs prior year
Median Rate
5.500%
−15.3% vs national (6.490%)
↓ 1.000% vs prior year
Median Origination
$4,014
Median Lender Credits
—
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 5.500% | $6,900 | $4,014 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 109 | 5.500% | $6,900 | #146 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,204 | 5.750% | — | 1 | −$1,696 | |
| 2 | $5,501 | 5.500% | — | 1 | −$1,399 | |
| 3 | $5,728 | 5.625% | — | 2 | −$1,172 | |
| 4 | $5,879 | 5.500% | — | 4 | −$1,021 | |
| 5 | $6,583 | 5.500% | — | 46 | −$317 | |
| 6 | $6,632 | 5.500% | — | 1 | −$268 | |
| 7 | $7,013 | 5.500% | — | 10 | +$113 | |
| 8 | $7,205 | 5.750% | — | 4 | +$305 | |
| 9 | $7,284 | 5.500% | — | 32 | +$384 | |
| 10 | $7,881 | 5.500% | — | 8 | +$981 |
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 | Champion Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $6,900 | $7,127 | −$227 (−3.2%) |
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.