Purchase Originations
219
Median Total Costs
$5,344
−20.0% vs national ($6,680)
↑ $838 vs prior year
Median Rate
8.100%
+24.8% vs national (6.490%)
↑ 1.100% vs prior year
Median Origination
$1,738
Median Lender Credits
$201
Denial Rate
80.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 219 | 8.100% | $5,344 | $1,738 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 54 | 8.700% | $6,632 | #133 |
| Louisiana | 54 | 6.562% | $4,301 | #81 |
| Texas | 51 | 6.825% | $4,596 | #342 |
| Florida | 23 | 8.400% | $6,592 | — |
| California | 9 | 8.900% | $6,882 | — |
| Delaware | 4 | 8.700% | $5,600 | — |
| New York | 3 | 8.800% | $6,163 | — |
| Colorado | 2 | 7.975% | $3,041 | — |
| Georgia | 2 | 8.750% | $6,322 | — |
| Nevada | 2 | 8.450% | $9,043 | — |
| Ohio | 2 | 8.750% | $4,205 | — |
| Tennessee | 2 | 8.700% | $4,469 | — |
| Alabama | 1 | 8.600% | $4,347 | — |
| Idaho | 1 | 8.600% | $10,668 | — |
| Indiana | 1 | 9.200% | $3,911 | — |
| Kentucky | 1 | 10.900% | $2,188 | — |
| Missouri | 1 | 7.200% | $10,340 | — |
| Montana | 1 | 10.000% | $7,623 | — |
| Nebraska | 1 | 8.600% | $3,966 | — |
| Oklahoma | 1 | 8.600% | $5,043 | — |
| Oregon | 1 | 8.900% | $11,053 | — |
| West Virginia | 1 | 8.900% | $2,834 | — |
| Wyoming | 1 | 8.600% | $5,972 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,041 | 7.975% | — | 2 | −$2,303 | |
| 2 | $4,216 | 6.250% | — | 6 | −$1,128 | |
| 3 | $4,235 | 6.588% | — | 22 | −$1,109 | |
| 4 | $4,365 | 6.675% | — | 3 | −$979 | |
| 5 | $4,543 | 6.225% | — | 2 | −$801 | |
| 6 | $4,675 | 6.550% | — | 19 | −$669 | |
| 7 | $4,714 | 6.700% | — | 37 | −$630 | |
| 8 | $5,274 | 8.900% | — | 9 | −$70 | |
| 9 | $5,600 | 8.700% | — | 4 | +$256 | |
| 10 | $5,716 | 9.550% | — | 6 | +$372 | |
| 11 | $5,791 | 9.800% | — | 3 | +$447 | |
| 12 | $6,157 | 8.450% | — | 2 | +$813 | |
| 13 | $6,322 | 8.600% | — | 3 | +$978 | |
| 14 | $6,594 | 8.650% | — | 16 | +$1,250 | |
| 15 | $6,765 | 8.500% | — | 5 | +$1,421 | |
| 16 | $7,128 | 8.350% | — | 4 | +$1,784 | |
| 17 | $7,164 | 8.500% | — | 3 | +$1,820 | |
| 18 | $7,180 | 8.100% | — | 6 | +$1,836 | |
| 19 | $7,569 | 8.800% | — | 13 | +$2,225 | |
| 20 | $11,155 | 8.350% | — | 2 | +$5,811 |
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 | Credit Human Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $5,344 | $7,127 | −$1,783 (−25.0%) |
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.