Purchase Originations
1,155
Ranked #338 nationally
Median Total Costs
$3,419
−48.8% vs national ($6,680)
↑ $177 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,075
Median Lender Credits
$115
Cost Rank (500+ vol.)
#66
among lenders with 500+ originations
Denial Rate
1.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,155 | 6.625% | $3,419 | $1,075 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,044 | 6.625% | — | 59 | −$375 | |
| 2 | $3,059 | 6.750% | — | 15 | −$360 | |
| 3 | $3,120 | 6.875% | — | 23 | −$299 | |
| 4 | $3,222 | 6.750% | — | 6 | −$197 | |
| 5 | $3,223 | 6.312% | — | 14 | −$196 | |
| 6 | $3,260 | 6.875% | — | 7 | −$159 | |
| 7 | $3,298 | 6.375% | — | 19 | −$121 | |
| 8 | $3,302 | 6.750% | — | 43 | −$117 | |
| 9 | $3,351 | 6.750% | — | 19 | −$68 | |
| 10 | $3,377 | 6.625% | — | 390 | −$42 | |
| 11 | $3,445 | 6.625% | — | 71 | +$26 | |
| 12 | $3,466 | 6.625% | — | 8 | +$47 | |
| 13 | $3,471 | 6.625% | — | 8 | +$52 | |
| 14 | $3,472 | 6.625% | — | 178 | +$53 | |
| 15 | $3,484 | 6.750% | — | 69 | +$65 | |
| 16 | $3,528 | 6.688% | — | 90 | +$109 | |
| 17 | $3,536 | 6.625% | — | 20 | +$117 | |
| 18 | $4,457 | 6.625% | — | 24 | +$1,038 | |
| 19 | $6,419 | 6.750% | — | 15 | +$3,000 | |
| 20 | $6,996 | 6.562% | — | 12 | +$3,577 |
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 Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,419 | $7,127 | −$3,708 (−52.0%) |
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.