Purchase Originations
826
Ranked #440 nationally
Median Total Costs
$4,832
−27.7% vs national ($6,680)
↑ $75 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,295
Median Lender Credits
$500
Cost Rank (500+ vol.)
#178
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 750 | 5.875% | $4,696 | $1,295 |
| fha | 44 | 6.000% | $9,340 | $1,295 |
| va | 31 | 5.750% | $5,127 | $1,295 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 161 | 5.875% | $3,967 | #118 |
| Virginia | 132 | 6.000% | $4,917 | #106 |
| Maryland | 116 | 5.875% | $4,911 | #93 |
| Pennsylvania | 67 | 6.000% | $4,873 | #193 |
| New York | 50 | 5.875% | $4,995 | #153 |
| Illinois | 46 | 5.875% | $6,351 | — |
| South Carolina | 29 | 6.000% | $4,597 | — |
| Florida | 27 | 5.875% | $7,114 | — |
| District of Columbia | 23 | 5.900% | $6,353 | — |
| Kentucky | 22 | 5.938% | $3,981 | — |
| New Jersey | 17 | 5.500% | $7,362 | — |
| Texas | 16 | 5.875% | $5,829 | — |
| Georgia | 15 | 5.875% | $5,460 | — |
| Ohio | 11 | 6.000% | $3,963 | — |
| West Virginia | 9 | 6.500% | $4,590 | — |
| Missouri | 8 | 5.812% | $3,693 | — |
| California | 7 | 5.875% | $6,695 | — |
| Tennessee | 6 | 5.562% | $4,337 | — |
| Colorado | 5 | 5.875% | $3,592 | — |
| Delaware | 5 | 6.000% | $4,903 | — |
| New Mexico | 5 | 5.750% | $5,275 | — |
| Idaho | 4 | 6.000% | $6,259 | — |
| Michigan | 4 | 5.500% | $3,793 | — |
| Minnesota | 4 | 6.250% | $4,346 | — |
| Mississippi | 4 | 6.062% | $6,634 | — |
| Oregon | 4 | 6.562% | $6,000 | — |
| Arizona | 3 | 5.625% | $5,420 | — |
| Indiana | 3 | 6.000% | $3,255 | — |
| Montana | 3 | 6.250% | $4,324 | — |
| Washington | 3 | 6.250% | $4,442 | — |
| Alabama | 2 | 5.938% | $4,088 | — |
| Connecticut | 2 | 5.938% | $5,568 | — |
| Massachusetts | 2 | 6.188% | $5,122 | — |
| Oklahoma | 2 | 5.938% | $4,600 | — |
| Wisconsin | 2 | 6.250% | $3,280 | — |
| Wyoming | 2 | 5.688% | $3,155 | — |
| Iowa | 1 | 5.500% | $2,960 | — |
| Kansas | 1 | 6.125% | $2,997 | — |
| Maine | 1 | 5.500% | $4,475 | — |
| North Dakota | 1 | 6.000% | $4,706 | — |
| Rhode Island | 1 | 6.000% | $6,700 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,859 | 5.750% | — | 19 | −$973 | |
| 2 | $3,863 | 5.875% | — | 24 | −$969 | |
| 3 | $3,982 | 6.250% | — | 13 | −$850 | |
| 4 | $4,049 | 5.625% | — | 13 | −$783 | |
| 5 | $4,206 | 5.250% | — | 11 | −$626 | |
| 6 | $4,232 | 6.188% | — | 20 | −$600 | |
| 7 | $4,388 | 5.875% | — | 11 | −$444 | |
| 8 | $4,464 | 5.875% | — | 20 | −$368 | |
| 9 | $4,682 | 5.500% | — | 9 | −$150 | |
| 10 | $4,739 | 6.125% | — | 13 | −$93 | |
| 11 | $4,747 | 6.000% | — | 26 | −$85 | |
| 12 | $4,932 | 5.625% | — | 9 | +$100 | |
| 13 | $5,470 | 5.875% | — | 9 | +$638 | |
| 14 | $5,525 | 5.500% | — | 13 | +$693 | |
| 15 | $5,553 | 6.000% | — | 9 | +$721 | |
| 16 | $5,665 | 5.875% | — | 28 | +$833 | |
| 17 | $5,963 | 5.875% | — | 28 | +$1,131 | |
| 18 | $5,988 | 5.750% | — | 15 | +$1,156 | |
| 19 | $6,303 | 5.938% | — | 26 | +$1,471 | |
| 20 | $6,353 | 5.900% | — | 23 | +$1,521 |
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 Union Mortgage Association, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $4,832 | $7,127 | −$2,295 (−32.2%) |
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.