Purchase Originations
199
Median Total Costs
$5,422
−18.8% vs national ($6,680)
↑ $220 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,100
Median Lender Credits
$75
Denial Rate
7.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 199 | 6.375% | $5,422 | $1,100 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 146 | 6.500% | $5,570 | #117 |
| Wisconsin | 21 | 6.375% | $2,624 | — |
| Texas | 8 | 6.312% | $5,249 | — |
| Florida | 5 | 6.875% | $6,049 | — |
| Pennsylvania | 3 | 6.250% | $4,894 | — |
| Tennessee | 3 | 6.000% | $4,286 | — |
| Georgia | 2 | 6.250% | $5,099 | — |
| Indiana | 2 | 5.938% | $2,456 | — |
| Minnesota | 2 | 6.125% | $3,632 | — |
| Ohio | 2 | 6.188% | $4,428 | — |
| Colorado | 1 | 5.500% | $3,847 | — |
| Iowa | 1 | 6.750% | $2,719 | — |
| Missouri | 1 | 6.250% | $2,588 | — |
| North Carolina | 1 | 5.500% | $3,526 | — |
| South Carolina | 1 | 7.000% | $4,687 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,330 | 5.875% | — | 2 | −$3,092 | |
| 2 | $2,652 | 6.375% | — | 10 | −$2,770 | |
| 3 | $2,735 | 5.938% | — | 2 | −$2,687 | |
| 4 | $2,794 | 6.688% | — | 2 | −$2,628 | |
| 5 | $3,278 | 6.625% | — | 2 | −$2,144 | |
| 6 | $3,479 | 7.000% | — | 1 | −$1,943 | |
| 7 | $3,566 | 6.750% | — | 2 | −$1,856 | |
| 8 | $3,700 | 6.375% | — | 8 | −$1,722 | |
| 9 | $3,847 | 5.500% | — | 1 | −$1,575 | |
| 10 | $3,902 | 6.438% | — | 2 | −$1,520 | |
| 11 | $4,364 | 6.062% | — | 2 | −$1,058 | |
| 12 | $4,438 | 6.875% | — | 1 | −$984 | |
| 13 | $5,099 | 6.250% | — | 2 | −$323 | |
| 14 | $5,384 | 6.500% | — | 50 | −$38 | |
| 15 | $5,530 | 6.625% | — | 6 | +$108 | |
| 16 | $5,747 | 6.500% | — | 15 | +$325 | |
| 17 | $5,923 | 6.375% | — | 3 | +$501 | |
| 18 | $5,942 | 6.375% | — | 3 | +$520 | |
| 19 | $5,972 | 6.250% | — | 39 | +$550 | |
| 20 | $6,288 | 6.750% | — | 12 | +$866 |
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 | Consumers Cooperative Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $5,422 | $7,127 | −$1,705 (−23.9%) |
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.