Purchase Originations
208
Median Total Costs
$4,680
−29.9% vs national ($6,680)
↑ $505 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$924
Median Lender Credits
$40
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 161 | 6.375% | $4,376 | $924 |
| fha | 42 | 5.875% | $8,246 | $1,264 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 191 | 6.125% | $4,947 | #110 |
| Florida | 5 | 5.625% | $3,765 | — |
| Delaware | 4 | 6.500% | $4,037 | — |
| New Jersey | 4 | 6.750% | $4,013 | — |
| Maryland | 2 | 6.125% | $4,752 | — |
| North Carolina | 1 | 6.375% | $3,604 | — |
| South Carolina | 1 | 5.625% | $3,411 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,780 | 6.375% | — | 1 | −$2,900 | |
| 2 | $3,603 | 5.625% | — | 1 | −$1,077 | |
| 3 | $3,604 | 6.375% | — | 1 | −$1,076 | |
| 4 | $3,713 | 6.500% | — | 3 | −$967 | |
| 5 | $3,765 | 5.625% | — | 1 | −$915 | |
| 6 | $3,834 | 6.438% | — | 12 | −$846 | |
| 7 | $3,842 | 6.375% | — | 1 | −$838 | |
| 8 | $3,942 | 6.125% | — | 5 | −$738 | |
| 9 | $4,055 | 6.250% | — | 7 | −$625 | |
| 10 | $4,075 | 6.500% | — | 1 | −$605 | |
| 11 | $4,088 | 6.312% | — | 10 | −$592 | |
| 12 | $4,135 | 7.125% | — | 1 | −$545 | |
| 13 | $4,144 | 6.688% | — | 2 | −$536 | |
| 14 | $4,260 | 5.000% | — | 1 | −$420 | |
| 15 | $4,347 | 6.250% | — | 37 | −$333 | |
| 16 | $4,362 | 5.250% | — | 1 | −$318 | |
| 17 | $4,553 | 6.375% | — | 18 | −$127 | |
| 18 | $5,370 | 5.125% | — | 1 | +$690 | |
| 19 | $5,772 | 6.000% | — | 96 | +$1,092 | |
| 20 | $6,570 | 6.625% | — | 1 | +$1,890 |
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 | Citadel Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $260,000 | $335,000 | −$75,000 (−22.4%) |
| Median total closing costs | $4,680 | $7,127 | −$2,447 (−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.