Purchase Originations
302
Median Total Costs
$2,893
−56.7% vs national ($6,680)
↓ $1,065 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.438% vs prior year
Median Origination
$817
Median Lender Credits
$100
Denial Rate
21.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 298 | 6.500% | $2,881 | $819 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,593 | 6.750% | — | 1 | −$1,300 | |
| 2 | $1,709 | 6.250% | — | 1 | −$1,184 | |
| 3 | $2,050 | 6.625% | — | 2 | −$843 | |
| 4 | $2,152 | 6.750% | — | 3 | −$741 | |
| 5 | $2,287 | 7.000% | — | 2 | −$606 | |
| 6 | $2,486 | 6.625% | — | 5 | −$407 | |
| 7 | $2,515 | 6.500% | — | 7 | −$378 | |
| 8 | $2,551 | 6.500% | — | 1 | −$342 | |
| 9 | $2,594 | 6.312% | — | 2 | −$299 | |
| 10 | $2,663 | 6.625% | — | 10 | −$230 | |
| 11 | $2,686 | 5.750% | — | 6 | −$207 | |
| 12 | $2,694 | 7.125% | — | 1 | −$199 | |
| 13 | $2,803 | 6.500% | — | 22 | −$90 | |
| 14 | $2,923 | 6.875% | — | 1 | +$30 | |
| 15 | $2,997 | 7.375% | — | 1 | +$104 | |
| 16 | $3,068 | 6.375% | — | 224 | +$175 | |
| 17 | $3,209 | 7.188% | — | 2 | +$316 | |
| 18 | $4,611 | 5.625% | — | 3 | +$1,718 | |
| 19 | $4,849 | 6.250% | — | 2 | +$1,956 | |
| 20 | $7,748 | 6.125% | — | 1 | +$4,855 |
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 OF America | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $2,893 | $7,127 | −$4,234 (−59.4%) |
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.