Purchase Originations
117
Median Total Costs
$4,051
−39.4% vs national ($6,680)
↓ $160 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$999
Median Lender Credits
$567
Denial Rate
8.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 117 | 6.500% | $4,051 | $999 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 107 | 6.500% | $4,051 | #104 |
| Oregon | 10 | 6.312% | $4,267 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,707 | 6.500% | — | 1 | −$344 | |
| 2 | $3,770 | 6.000% | — | 1 | −$281 | |
| 3 | $4,015 | 6.500% | — | 87 | −$36 | |
| 4 | $4,016 | 6.125% | — | 1 | −$35 | |
| 5 | $4,017 | 7.000% | — | 1 | −$34 | |
| 6 | $4,065 | 6.688% | — | 14 | +$14 | |
| 7 | $4,068 | 6.625% | — | 2 | +$17 | |
| 8 | $4,889 | 6.312% | — | 6 | +$838 | |
| 9 | $7,215 | 5.625% | — | 1 | +$3,164 | |
| 10 | $9,006 | 6.000% | — | 1 | +$4,955 | |
| 11 | $11,739 | 6.375% | — | 1 | +$7,688 | |
| 12 | $12,954 | 6.125% | — | 1 | +$8,903 |
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 | Columbia Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $4,051 | $7,127 | −$3,076 (−43.2%) |
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.