Purchase Originations
239
Median Total Costs
$3,004
−55.0% vs national ($6,680)
↑ $242 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$670
Median Lender Credits
$50
Denial Rate
19.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 239 | 6.250% | $3,004 | $670 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,323 | 6.125% | — | 3 | −$681 | |
| 2 | $2,518 | 6.375% | — | 3 | −$486 | |
| 3 | $2,659 | 6.125% | — | 4 | −$345 | |
| 4 | $2,693 | 6.188% | — | 8 | −$311 | |
| 5 | $2,790 | 6.375% | — | 9 | −$214 | |
| 6 | $2,878 | 6.375% | — | 2 | −$126 | |
| 7 | $2,917 | 6.062% | — | 8 | −$87 | |
| 8 | $2,951 | 6.250% | — | 12 | −$53 | |
| 9 | $2,995 | 6.250% | — | 41 | −$9 | |
| 10 | $3,001 | 6.125% | — | 7 | −$3 | |
| 11 | $3,024 | 6.250% | — | 11 | +$20 | |
| 12 | $3,042 | 6.125% | — | 34 | +$38 | |
| 13 | $3,061 | 5.688% | — | 2 | +$57 | |
| 14 | $3,071 | 6.125% | — | 7 | +$67 | |
| 15 | $3,092 | 6.250% | — | 31 | +$88 | |
| 16 | $3,210 | 6.188% | — | 6 | +$206 | |
| 17 | $3,224 | 6.125% | — | 14 | +$220 | |
| 18 | $3,352 | 6.250% | — | 5 | +$348 | |
| 19 | $3,386 | 6.250% | — | 5 | +$382 | |
| 20 | $4,174 | 5.875% | — | 4 | +$1,170 |
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 | Commonwealth Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,004 | $7,127 | −$4,123 (−57.9%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.