Purchase Originations
233
Median Total Costs
$3,579
−46.4% vs national ($6,680)
↓ $13 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$0
Median Lender Credits
$3,916
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 233 | 6.250% | $3,579 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 218 | 6.237% | $3,607 | #156 |
| North Carolina | 5 | 5.625% | $2,939 | — |
| Georgia | 4 | 6.487% | $5,188 | — |
| Alabama | 1 | 6.625% | $2,122 | — |
| Michigan | 1 | 6.325% | $2,386 | — |
| South Carolina | 1 | 6.125% | $2,848 | — |
| Tennessee | 1 | 6.625% | $4,158 | — |
| Utah | 1 | 6.250% | $2,820 | — |
| Wisconsin | 1 | 5.875% | $1,639 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,122 | 6.625% | — | 1 | −$1,457 | |
| 2 | $3,084 | 6.125% | — | 1 | −$495 | |
| 3 | $3,095 | 6.062% | — | 2 | −$484 | |
| 4 | $3,127 | 6.250% | — | 1 | −$452 | |
| 5 | $3,196 | 6.438% | — | 6 | −$383 | |
| 6 | $3,305 | 6.000% | — | 7 | −$274 | |
| 7 | $3,468 | 6.125% | — | 130 | −$111 | |
| 8 | $3,528 | 6.500% | — | 2 | −$51 | |
| 9 | $3,543 | 6.350% | — | 1 | −$36 | |
| 10 | $3,571 | 4.750% | — | 1 | −$8 | |
| 11 | $3,705 | 6.375% | — | 6 | +$126 | |
| 12 | $3,780 | 6.125% | — | 18 | +$201 | |
| 13 | $3,978 | 6.375% | — | 1 | +$399 | |
| 14 | $4,209 | 6.250% | — | 1 | +$630 | |
| 15 | $4,224 | 6.250% | — | 40 | +$645 | |
| 16 | $4,900 | 6.500% | — | 1 | +$1,321 | |
| 17 | $5,824 | 6.000% | — | 2 | +$2,245 | |
| 18 | $6,167 | 6.625% | — | 1 | +$2,588 | |
| 19 | $6,667 | 6.750% | — | 1 | +$3,088 | |
| 20 | $6,991 | 5.562% | — | 2 | +$3,412 |
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 First Credit Union OF Flo | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $3,579 | $7,127 | −$3,548 (−49.8%) |
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.