Purchase Originations
361
Median Total Costs
$7,181
+7.5% vs national ($6,680)
↑ $3 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,395
Median Lender Credits
$840
Denial Rate
14.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 361 | 6.500% | $7,181 | $3,395 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 361 | 6.500% | $7,181 | #53 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,027 | 6.375% | — | 1 | −$3,154 | |
| 2 | $4,672 | 6.625% | — | 11 | −$2,509 | |
| 3 | $5,123 | 6.938% | — | 2 | −$2,058 | |
| 4 | $6,420 | 6.250% | — | 4 | −$761 | |
| 5 | $6,586 | 6.250% | — | 7 | −$595 | |
| 6 | $7,206 | 6.500% | — | 291 | +$25 | |
| 7 | $7,254 | 5.750% | — | 1 | +$73 | |
| 8 | $7,576 | 6.438% | — | 38 | +$395 | |
| 9 | $8,860 | 6.875% | — | 3 | +$1,679 | |
| 10 | $10,058 | 6.000% | — | 2 | +$2,877 | |
| 11 | $11,264 | 7.500% | — | 1 | +$4,083 |
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 | Desert Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,181 | $7,127 | +$54 (+0.8%) |
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.