Purchase Originations
219
Median Total Costs
$2,485
−62.8% vs national ($6,680)
↑ $22 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$825
Median Lender Credits
$50
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 219 | 6.625% | $2,485 | $825 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,171 | 6.500% | — | 7 | −$314 | |
| 2 | $2,195 | 6.500% | — | 4 | −$290 | |
| 3 | $2,233 | 6.750% | — | 4 | −$252 | |
| 4 | $2,267 | 6.688% | — | 8 | −$218 | |
| 5 | $2,287 | 6.375% | — | 4 | −$198 | |
| 6 | $2,313 | 6.750% | — | 4 | −$172 | |
| 7 | $2,338 | 6.750% | — | 5 | −$147 | |
| 8 | $2,348 | 6.625% | — | 4 | −$137 | |
| 9 | $2,361 | 6.688% | — | 4 | −$124 | |
| 10 | $2,428 | 6.750% | — | 5 | −$57 | |
| 11 | $2,458 | 6.625% | — | 5 | −$27 | |
| 12 | $2,493 | 6.375% | — | 13 | +$8 | |
| 13 | $2,498 | 6.562% | — | 8 | +$13 | |
| 14 | $2,504 | 6.750% | — | 12 | +$19 | |
| 15 | $2,506 | 6.625% | — | 10 | +$21 | |
| 16 | $2,511 | 6.438% | — | 6 | +$26 | |
| 17 | $2,558 | 6.500% | — | 65 | +$73 | |
| 18 | $2,580 | 6.750% | — | 14 | +$95 | |
| 19 | $2,652 | 6.750% | — | 8 | +$167 | |
| 20 | $2,718 | 6.750% | — | 7 | +$233 |
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 | Community 1st Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $115,000 | $335,000 | −$220,000 (−65.7%) |
| Median total closing costs | $2,485 | $7,127 | −$4,642 (−65.1%) |
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.