Purchase Originations
130
Median Total Costs
$7,850
+17.5% vs national ($6,680)
↑ $1,328 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.115% vs prior year
Median Origination
$4,160
Median Lender Credits
$542
Denial Rate
10.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 110 | 6.375% | $6,710 | $4,657 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 130 | 6.375% | $7,850 | #48 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,382 | 5.990% | — | 3 | −$4,468 | |
| 2 | $4,570 | 6.370% | — | 6 | −$3,280 | |
| 3 | $5,394 | 6.990% | — | 1 | −$2,456 | |
| 4 | $5,400 | 5.625% | — | 2 | −$2,450 | |
| 5 | $5,756 | 5.875% | — | 1 | −$2,094 | |
| 6 | $6,444 | 6.499% | — | 4 | −$1,406 | |
| 7 | $6,567 | 6.562% | — | 10 | −$1,283 | |
| 8 | $7,102 | 5.750% | — | 2 | −$748 | |
| 9 | $7,324 | 5.750% | — | 1 | −$526 | |
| 10 | $7,854 | 6.375% | — | 63 | +$4 | |
| 11 | $8,063 | 6.562% | — | 2 | +$213 | |
| 12 | $9,879 | 6.188% | — | 28 | +$2,029 | |
| 13 | $11,211 | 6.438% | — | 6 | +$3,361 | |
| 14 | $11,379 | 6.875% | — | 1 | +$3,529 |
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 | CYPRUS Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $425,000 | $335,000 | +$90,000 (+26.9%) |
| Median total closing costs | $7,850 | $7,127 | +$723 (+10.1%) |
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.