Purchase Originations
189
Median Total Costs
$3,806
−43.0% vs national ($6,680)
↑ $131 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,295
Median Lender Credits
$33
Denial Rate
8.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 189 | 6.375% | $3,806 | $1,295 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,482 | 6.625% | — | 1 | −$324 | |
| 2 | $3,485 | 7.375% | — | 1 | −$321 | |
| 3 | $3,639 | 6.500% | — | 4 | −$167 | |
| 4 | $3,655 | 6.375% | — | 22 | −$151 | |
| 5 | $3,660 | 6.250% | — | 3 | −$146 | |
| 6 | $3,681 | 6.188% | — | 2 | −$125 | |
| 7 | $3,705 | 6.562% | — | 2 | −$101 | |
| 8 | $3,719 | 6.125% | — | 9 | −$87 | |
| 9 | $3,726 | 6.562% | — | 38 | −$80 | |
| 10 | $3,757 | 6.250% | — | 9 | −$49 | |
| 11 | $3,806 | 6.000% | — | 1 | +$0 | |
| 12 | $3,855 | 6.562% | — | 2 | +$49 | |
| 13 | $3,883 | 6.062% | — | 4 | +$77 | |
| 14 | $3,919 | 6.062% | — | 2 | +$113 | |
| 15 | $3,932 | 6.500% | — | 18 | +$126 | |
| 16 | $3,949 | 6.750% | — | 1 | +$143 | |
| 17 | $4,005 | 6.438% | — | 6 | +$199 | |
| 18 | $4,006 | 6.375% | — | 44 | +$200 | |
| 19 | $4,121 | 5.875% | — | 2 | +$315 | |
| 20 | $5,260 | 6.562% | — | 2 | +$1,454 |
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 One | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,806 | $7,127 | −$3,321 (−46.6%) |
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.