Purchase Originations
648
Ranked #534 nationally
Median Total Costs
$3,956
−40.8% vs national ($6,680)
↓ $65 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$995
Median Lender Credits
$579
Cost Rank (500+ vol.)
#107
among lenders with 500+ originations
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 648 | 5.875% | $3,956 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 367 | 5.875% | $3,527 | #140 |
| California | 125 | 6.000% | $6,416 | #177 |
| Louisiana | 31 | 5.750% | $0 | — |
| Colorado | 29 | 5.875% | $0 | — |
| Mississippi | 14 | 6.625% | $3,660 | — |
| Alabama | 9 | 6.250% | $2,857 | — |
| Florida | 7 | 6.250% | $5,402 | — |
| Nevada | 6 | 6.062% | $4,484 | — |
| New Mexico | 5 | 5.875% | $0 | — |
| Tennessee | 5 | 6.625% | $3,214 | — |
| Washington | 5 | 6.125% | $4,309 | — |
| Arizona | 4 | 6.062% | $6,696 | — |
| Iowa | 4 | 5.812% | $664 | — |
| North Carolina | 4 | 6.062% | $4,267 | — |
| Pennsylvania | 4 | 6.750% | $5,012 | — |
| South Carolina | 4 | 5.875% | $4,606 | — |
| Illinois | 3 | 6.125% | $2,695 | — |
| Virginia | 3 | 6.000% | $3,594 | — |
| Idaho | 2 | 6.562% | $5,936 | — |
| Utah | 2 | 5.750% | $2,119 | — |
| Arkansas | 1 | 5.875% | $3,114 | — |
| District of Columbia | 1 | 6.000% | $5,612 | — |
| Georgia | 1 | 5.375% | $4,368 | — |
| Indiana | 1 | 6.875% | $3,627 | — |
| Kansas | 1 | 5.875% | $3,022 | — |
| Massachusetts | 1 | 6.000% | $5,113 | — |
| Maryland | 1 | 6.750% | $4,242 | — |
| Michigan | 1 | 5.875% | $3,967 | — |
| North Dakota | 1 | 5.000% | $0 | — |
| New Hampshire | 1 | 6.625% | $3,552 | — |
| Ohio | 1 | 6.000% | $4,442 | — |
| Oregon | 1 | 6.750% | $5,332 | — |
| Wisconsin | 1 | 5.875% | $2,320 | — |
| West Virginia | 1 | 6.750% | $4,112 | — |
| Wyoming | 1 | 6.625% | $3,668 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.625% | — | 20 | −$3,956 | |
| 2 | $0 | 5.875% | — | 16 | −$3,956 | |
| 3 | $545 | 5.750% | — | 6 | −$3,411 | |
| 4 | $2,787 | 5.875% | — | 23 | −$1,169 | |
| 5 | $2,898 | 5.875% | — | 50 | −$1,058 | |
| 6 | $3,515 | 5.750% | — | 206 | −$441 | |
| 7 | $3,660 | 6.562% | — | 12 | −$296 | |
| 8 | $3,773 | 6.062% | — | 4 | −$183 | |
| 9 | $4,003 | 5.688% | — | 8 | +$47 | |
| 10 | $4,155 | 5.875% | — | 46 | +$199 | |
| 11 | $4,279 | 6.000% | — | 5 | +$323 | |
| 12 | $4,295 | 6.000% | — | 5 | +$339 | |
| 13 | $5,072 | 6.250% | — | 7 | +$1,116 | |
| 14 | $5,398 | 6.125% | — | 10 | +$1,442 | |
| 15 | $6,282 | 5.875% | — | 4 | +$2,326 | |
| 16 | $6,304 | 6.000% | — | 36 | +$2,348 | |
| 17 | $6,352 | 6.250% | — | 4 | +$2,396 | |
| 18 | $6,676 | 5.750% | — | 25 | +$2,720 | |
| 19 | $6,808 | 5.938% | — | 6 | +$2,852 | |
| 20 | $11,554 | 5.750% | — | 10 | +$7,598 |
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 | Chevron Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $475,000 | $335,000 | +$140,000 (+41.8%) |
| Median total closing costs | $3,956 | $7,127 | −$3,171 (−44.5%) |
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.