CREDIT UNION ONE closing costs and rates (2024)
In 2024, CREDIT UNION ONE originated 147 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,675. That is $3,066 below the national median of $6,741. CREDIT UNION ONE is most active in Michigan with 143 originations there.
Purchase Originations
147
Median Total Costs
$3,675
−45.5% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,295
Median Lender Credits
$1,000
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 147 | 6.625% | $3,675 | $1,295 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Michigan | 143 | 6.625% | $3,660 | #92 |
| Mississippi | 1 | 6.875% | $3,322 | — |
| Oklahoma | 1 | 7.000% | $3,829 | — |
| Texas | 1 | 7.125% | $5,605 | — |
| Vermont | 1 | 7.000% | $5,354 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,885 | 6.625% | — | 2 | −$1,790 | |
| 2 | $2,075 | 7.125% | — | 2 | −$1,600 | |
| 3 | $3,208 | 6.875% | — | 1 | −$467 | |
| 4 | $3,334 | 6.562% | — | 2 | −$341 | |
| 5 | $3,387 | 6.375% | — | 2 | −$288 | |
| 6 | $3,403 | 6.750% | — | 6 | −$272 | |
| 7 | $3,558 | 7.000% | — | 3 | −$117 | |
| 8 | $3,559 | 6.250% | — | 4 | −$116 | |
| 9 | $3,582 | 6.875% | — | 26 | −$93 | |
| 10 | $3,589 | 6.625% | — | 11 | −$86 | |
| 11 | $3,621 | 6.375% | — | 1 | −$54 | |
| 12 | $3,626 | 6.625% | — | 22 | −$49 | |
| 13 | $3,729 | 6.125% | — | 7 | +$54 | |
| 14 | $3,740 | 6.562% | — | 2 | +$65 | |
| 15 | $3,814 | 6.250% | — | 13 | +$139 | |
| 16 | $3,855 | 6.750% | — | 25 | +$180 | |
| 17 | $4,094 | 6.750% | — | 2 | +$419 | |
| 18 | $4,120 | 6.812% | — | 2 | +$445 | |
| 19 | $4,303 | 6.750% | — | 1 | +$628 | |
| 20 | $4,355 | 6.125% | — | 1 | +$680 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.