Purchase Originations
1,129
Ranked #345 nationally
Median Total Costs
$1,386
−79.3% vs national ($6,680)
↑ $308 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$350
Median Lender Credits
$350
Cost Rank (500+ vol.)
#7
among lenders with 500+ originations
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,129 | 6.375% | $1,386 | $350 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 975 | 6.375% | $1,206 | #23 |
| Texas | 37 | 6.375% | $189 | — |
| Tennessee | 21 | 6.250% | $914 | — |
| California | 19 | 6.375% | $2,729 | — |
| Missouri | 11 | 6.125% | $2,392 | — |
| Indiana | 9 | 6.375% | $886 | — |
| Arizona | 6 | 6.375% | $3,411 | — |
| Georgia | 5 | 6.375% | $4,422 | — |
| North Carolina | 5 | 6.500% | $1,455 | — |
| Ohio | 5 | 6.250% | $3,616 | — |
| Florida | 4 | 6.438% | $3,481 | — |
| South Carolina | 4 | 6.062% | $3,513 | — |
| Minnesota | 3 | 6.125% | $3,722 | — |
| Oklahoma | 3 | 6.125% | $2,910 | — |
| Arkansas | 2 | 6.438% | $1,373 | — |
| Louisiana | 2 | 6.500% | $4,291 | — |
| Mississippi | 2 | 6.500% | $3,593 | — |
| Nebraska | 2 | 6.562% | $2,210 | — |
| Nevada | 2 | 5.938% | $2,844 | — |
| Pennsylvania | 2 | 6.438% | $4,467 | — |
| Virginia | 2 | 6.188% | $2,411 | — |
| Washington | 2 | 6.312% | $2,767 | — |
| Wisconsin | 2 | 6.312% | $2,440 | — |
| Colorado | 1 | 6.125% | $700 | — |
| Iowa | 1 | 5.625% | $2,300 | — |
| Michigan | 1 | 6.125% | $4,152 | — |
| North Dakota | 1 | 6.750% | $3,140 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.188% | — | 6 | −$1,386 | |
| 2 | $350 | 6.375% | — | 8 | −$1,036 | |
| 3 | $567 | 6.375% | — | 13 | −$819 | |
| 4 | $745 | 6.125% | — | 7 | −$641 | |
| 5 | $788 | 6.500% | — | 20 | −$598 | |
| 6 | $904 | 6.500% | — | 62 | −$482 | |
| 7 | $947 | 6.625% | — | 39 | −$439 | |
| 8 | $1,031 | 6.375% | — | 317 | −$355 | |
| 9 | $1,100 | 6.375% | — | 238 | −$286 | |
| 10 | $1,370 | 6.375% | — | 40 | −$16 | |
| 11 | $1,415 | 6.562% | — | 6 | +$29 | |
| 12 | $1,516 | 6.438% | — | 6 | +$130 | |
| 13 | $1,680 | 6.000% | — | 9 | +$294 | |
| 14 | $1,901 | 6.500% | — | 12 | +$515 | |
| 15 | $1,906 | 6.375% | — | 74 | +$520 | |
| 16 | $1,918 | 6.312% | — | 8 | +$532 | |
| 17 | $1,958 | 6.500% | — | 7 | +$572 | |
| 18 | $2,032 | 6.375% | — | 59 | +$646 | |
| 19 | $3,214 | 6.375% | — | 8 | +$1,828 | |
| 20 | $4,644 | 6.250% | — | 8 | +$3,258 |
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 Equity First Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $1,386 | $7,127 | −$5,741 (−80.6%) |
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.