Purchase Originations
212
Median Total Costs
$3,121
−53.3% vs national ($6,680)
↑ $208 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.187% vs prior year
Median Origination
$425
Median Lender Credits
$34
Denial Rate
1.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 209 | 6.375% | $3,117 | $425 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,820 | 7.500% | — | 1 | −$301 | |
| 2 | $2,956 | 6.312% | — | 28 | −$165 | |
| 3 | $3,052 | 6.500% | — | 131 | −$69 | |
| 4 | $3,090 | 6.625% | — | 3 | −$31 | |
| 5 | $3,124 | 6.125% | — | 7 | +$3 | |
| 6 | $3,136 | 7.000% | — | 1 | +$15 | |
| 7 | $3,206 | 6.438% | — | 4 | +$85 | |
| 8 | $3,301 | 5.812% | — | 2 | +$180 | |
| 9 | $3,484 | 6.312% | — | 6 | +$363 | |
| 10 | $3,936 | 5.938% | — | 2 | +$815 | |
| 11 | $4,102 | 6.000% | — | 2 | +$981 | |
| 12 | $4,349 | 6.000% | — | 1 | +$1,228 | |
| 13 | $4,460 | 6.000% | — | 17 | +$1,339 | |
| 14 | $4,819 | 5.875% | — | 7 | +$1,698 |
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 | Day Air Credit Union, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $3,121 | $7,127 | −$4,006 (−56.2%) |
Other high-volume lenders side-by-side.
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 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.