Purchase Originations
109
Median Total Costs
$7,883
+18.0% vs national ($6,680)
↑ $433 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$5,405
Median Lender Credits
$590
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 6.250% | $7,883 | $5,405 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 86 | 6.188% | $8,132 | #62 |
| Idaho | 6 | 5.688% | $5,855 | — |
| Arizona | 2 | 6.312% | $7,627 | — |
| California | 2 | 6.312% | $10,151 | — |
| Missouri | 2 | 5.870% | $5,054 | — |
| South Carolina | 2 | 6.188% | $12,899 | — |
| Texas | 2 | 6.740% | $7,742 | — |
| Florida | 1 | 5.875% | $5,013 | — |
| Indiana | 1 | 6.375% | $5,757 | — |
| Maryland | 1 | 6.250% | $5,652 | — |
| North Dakota | 1 | 6.500% | $6,006 | — |
| New Mexico | 1 | 6.500% | $10,216 | — |
| Oregon | 1 | 6.490% | $8,198 | — |
| Washington | 1 | 6.375% | $8,086 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,136 | 5.250% | — | 1 | −$4,747 | |
| 2 | $4,718 | 5.812% | — | 2 | −$3,165 | |
| 3 | $5,013 | 5.875% | — | 1 | −$2,870 | |
| 4 | $5,923 | 5.750% | — | 1 | −$1,960 | |
| 5 | $5,957 | 5.875% | — | 4 | −$1,926 | |
| 6 | $5,971 | 5.870% | — | 2 | −$1,912 | |
| 7 | $6,496 | 5.750% | — | 1 | −$1,387 | |
| 8 | $7,627 | 6.312% | — | 2 | −$256 | |
| 9 | $7,969 | 5.990% | — | 19 | +$86 | |
| 10 | $8,010 | 6.240% | — | 6 | +$127 | |
| 11 | $8,044 | 6.125% | — | 2 | +$161 | |
| 12 | $8,066 | 5.870% | — | 8 | +$183 | |
| 13 | $8,093 | 6.990% | — | 1 | +$210 | |
| 14 | $8,106 | 6.250% | — | 19 | +$223 | |
| 15 | $8,468 | 6.433% | — | 18 | +$585 | |
| 16 | $8,473 | 6.562% | — | 2 | +$590 | |
| 17 | $8,847 | 7.375% | — | 2 | +$964 | |
| 18 | $9,389 | 5.625% | — | 1 | +$1,506 | |
| 19 | $10,093 | 6.375% | — | 1 | +$2,210 | |
| 20 | $10,209 | 6.250% | — | 1 | +$2,326 |
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 | Deseret First Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $7,883 | $7,127 | +$756 (+10.6%) |
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.