Purchase Originations
995
Ranked #382 nationally
Median Total Costs
$6,362
−4.8% vs national ($6,680)
↑ $672 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,500
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#315
among lenders with 500+ originations
Denial Rate
6.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 995 | 5.875% | $6,362 | $3,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 859 | 5.875% | $6,314 | #27 |
| Florida | 32 | 5.875% | $7,025 | — |
| Texas | 19 | 5.750% | $7,036 | — |
| Tennessee | 13 | 5.875% | $5,351 | — |
| Alabama | 12 | 5.875% | $5,925 | — |
| South Carolina | 11 | 5.750% | $6,648 | — |
| North Carolina | 8 | 5.625% | $5,038 | — |
| Minnesota | 6 | 5.562% | $9,507 | — |
| Ohio | 6 | 5.812% | $5,995 | — |
| Kentucky | 5 | 5.750% | $4,784 | — |
| Arizona | 4 | 5.688% | $9,204 | — |
| California | 4 | 5.812% | $5,755 | — |
| New York | 4 | 5.875% | $7,175 | — |
| Maryland | 3 | 5.500% | $8,182 | — |
| Colorado | 2 | 5.562% | $5,890 | — |
| Indiana | 2 | 6.000% | $3,046 | — |
| Utah | 2 | 5.750% | $3,991 | — |
| District of Columbia | 1 | 6.250% | $4,652 | — |
| Massachusetts | 1 | 5.625% | $4,121 | — |
| Virginia | 1 | 5.375% | $10,773 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,210 | 6.000% | — | 6 | −$3,152 | |
| 2 | $3,964 | 5.562% | — | 6 | −$2,398 | |
| 3 | $4,364 | 6.250% | — | 11 | −$1,998 | |
| 4 | $4,629 | 5.875% | — | 14 | −$1,733 | |
| 5 | $4,897 | 5.938% | — | 8 | −$1,465 | |
| 6 | $5,350 | 5.938% | — | 14 | −$1,012 | |
| 7 | $5,698 | 6.000% | — | 39 | −$664 | |
| 8 | $5,706 | 5.750% | — | 7 | −$656 | |
| 9 | $5,816 | 6.000% | — | 16 | −$546 | |
| 10 | $5,869 | 5.875% | — | 121 | −$493 | |
| 11 | $6,169 | 5.750% | — | 5 | −$193 | |
| 12 | $6,471 | 5.688% | — | 40 | +$109 | |
| 13 | $6,495 | 5.875% | — | 81 | +$133 | |
| 14 | $6,578 | 5.875% | — | 5 | +$216 | |
| 15 | $6,719 | 5.875% | — | 156 | +$357 | |
| 16 | $6,922 | 5.875% | — | 76 | +$560 | |
| 17 | $6,939 | 5.875% | — | 77 | +$577 | |
| 18 | $7,844 | 6.000% | — | 75 | +$1,482 | |
| 19 | $8,118 | 5.875% | — | 7 | +$1,756 | |
| 20 | $8,169 | 5.875% | — | 31 | +$1,807 |
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 | Delta Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $6,362 | $7,127 | −$765 (−10.7%) |
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.