Purchase Originations
132
Median Total Costs
$3,060
−54.2% vs national ($6,680)
↓ $178 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.187% vs prior year
Median Origination
$645
Median Lender Credits
$139
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 132 | 6.625% | $3,060 | $645 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,628 | 6.500% | — | 2 | −$432 | |
| 2 | $2,693 | 6.625% | — | 3 | −$367 | |
| 3 | $2,732 | 6.500% | — | 10 | −$328 | |
| 4 | $2,878 | 6.625% | — | 4 | −$182 | |
| 5 | $2,961 | 6.625% | — | 3 | −$99 | |
| 6 | $2,972 | 6.500% | — | 5 | −$88 | |
| 7 | $2,993 | 6.625% | — | 20 | −$67 | |
| 8 | $3,039 | 6.000% | — | 2 | −$21 | |
| 9 | $3,122 | 6.625% | — | 5 | +$62 | |
| 10 | $3,168 | 6.750% | — | 5 | +$108 | |
| 11 | $3,168 | 6.750% | — | 3 | +$108 | |
| 12 | $3,280 | 6.750% | — | 11 | +$220 | |
| 13 | $3,843 | 6.750% | — | 3 | +$783 | |
| 14 | $4,133 | 6.375% | — | 3 | +$1,073 | |
| 15 | $4,284 | 6.812% | — | 6 | +$1,224 | |
| 16 | $4,295 | 6.688% | — | 2 | +$1,235 | |
| 17 | $4,645 | 6.375% | — | 2 | +$1,585 | |
| 18 | $4,658 | 6.375% | — | 13 | +$1,598 | |
| 19 | $5,035 | 6.500% | — | 3 | +$1,975 | |
| 20 | $5,249 | 6.750% | — | 2 | +$2,189 |
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 | Citizens Community Federal National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,060 | $7,127 | −$4,067 (−57.1%) |
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.