CIVIC FEDERAL CREDIT UNION closing costs and rates (2024)
In 2024, CIVIC FEDERAL CREDIT UNION originated 184 purchase mortgages at a median interest rate of 8.40% and median total closing costs of $3,939. That is $2,802 below the national median of $6,741. CIVIC FEDERAL CREDIT UNION is most active in North Carolina with 172 originations there.
Purchase Originations
184
Median Total Costs
$3,939
−41.6% vs national ($6,741)
Median Rate
8.400%
+26.9% vs national (6.620%)
Median Origination
$1,891
Median Lender Credits
$79
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 184 | 8.400% | $3,939 | $1,891 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 172 | 8.400% | $3,897 | #114 |
| South Carolina | 7 | 8.250% | $4,993 | — |
| Georgia | 2 | 8.400% | $3,748 | — |
| Virginia | 2 | 8.400% | $3,660 | — |
| Tennessee | 1 | 8.400% | $4,888 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,280 | 8.400% | — | 5 | −$1,659 | |
| 2 | $3,161 | 8.250% | — | 3 | −$778 | |
| 3 | $3,232 | 8.400% | — | 3 | −$707 | |
| 4 | $3,260 | 8.200% | — | 4 | −$679 | |
| 5 | $3,568 | 8.325% | — | 4 | −$371 | |
| 6 | $3,715 | 8.250% | — | 3 | −$224 | |
| 7 | $3,808 | 8.325% | — | 4 | −$131 | |
| 8 | $3,903 | 8.400% | — | 5 | −$36 | |
| 9 | $4,019 | 8.400% | — | 4 | +$80 | |
| 10 | $4,081 | 8.400% | — | 7 | +$142 | |
| 11 | $4,088 | 7.963% | — | 6 | +$149 | |
| 12 | $4,206 | 8.400% | — | 8 | +$267 | |
| 13 | $4,232 | 8.400% | — | 4 | +$293 | |
| 14 | $4,303 | 8.400% | — | 8 | +$364 | |
| 15 | $4,415 | 8.400% | — | 8 | +$476 | |
| 16 | $4,436 | 8.400% | — | 8 | +$497 | |
| 17 | $4,462 | 8.400% | — | 3 | +$523 | |
| 18 | $4,538 | 8.400% | — | 7 | +$599 | |
| 19 | $4,888 | 8.400% | — | 5 | +$949 | |
| 20 | $5,307 | 8.250% | — | 3 | +$1,368 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.