Purchase Originations
118
Median Total Costs
$1,948
−70.8% vs national ($6,680)
↑ $40 vs prior year
Median Rate
6.550%
+0.9% vs national (6.490%)
↓ 0.100% vs prior year
Median Origination
$595
Median Lender Credits
—
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 118 | 6.550% | $1,948 | $595 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,756 | 6.650% | — | 1 | −$192 | |
| 2 | $1,883 | 6.550% | — | 54 | −$65 | |
| 3 | $1,933 | 6.550% | — | 9 | −$15 | |
| 4 | $1,966 | 6.550% | — | 10 | +$18 | |
| 5 | $1,993 | 6.550% | — | 1 | +$45 | |
| 6 | $2,008 | 6.550% | — | 1 | +$60 | |
| 7 | $2,089 | 6.150% | — | 1 | +$141 | |
| 8 | $2,150 | 6.550% | — | 18 | +$202 | |
| 9 | $2,153 | 6.550% | — | 1 | +$205 | |
| 10 | $2,163 | 6.550% | — | 1 | +$215 | |
| 11 | $2,243 | 6.500% | — | 7 | +$295 | |
| 12 | $2,366 | 6.650% | — | 8 | +$418 | |
| 13 | $2,385 | 6.250% | — | 1 | +$437 | |
| 14 | $2,509 | 6.650% | — | 3 | +$561 | |
| 15 | $2,895 | 6.550% | — | 1 | +$947 | |
| 16 | $2,908 | 6.150% | — | 1 | +$960 |
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 | CO-OP Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $1,948 | $7,127 | −$5,179 (−72.7%) |
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.