Purchase Originations
727
Ranked #491 nationally
Median Total Costs
$4,579
−31.4% vs national ($6,680)
↑ $199 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,816
Median Lender Credits
$750
Cost Rank (500+ vol.)
#153
among lenders with 500+ originations
Denial Rate
1.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 727 | 6.250% | $4,579 | $1,816 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,723 | 6.250% | — | 13 | −$856 | |
| 2 | $3,824 | 6.000% | — | 5 | −$755 | |
| 3 | $4,044 | 6.125% | — | 8 | −$535 | |
| 4 | $4,071 | 6.250% | — | 29 | −$508 | |
| 5 | $4,097 | 6.125% | — | 30 | −$482 | |
| 6 | $4,362 | 6.312% | — | 10 | −$217 | |
| 7 | $4,459 | 6.625% | — | 6 | −$120 | |
| 8 | $4,470 | 6.250% | — | 279 | −$109 | |
| 9 | $4,482 | 6.250% | — | 58 | −$97 | |
| 10 | $4,530 | 6.125% | — | 33 | −$49 | |
| 11 | $4,745 | 6.250% | — | 100 | +$166 | |
| 12 | $5,349 | 6.375% | — | 36 | +$770 | |
| 13 | $6,433 | 6.188% | — | 4 | +$1,854 | |
| 14 | $7,114 | 6.125% | — | 7 | +$2,535 | |
| 15 | $7,389 | 5.875% | — | 4 | +$2,810 | |
| 16 | $9,098 | 6.375% | — | 5 | +$4,519 | |
| 17 | $9,237 | 6.062% | — | 6 | +$4,658 | |
| 18 | $9,839 | 6.125% | — | 4 | +$5,260 | |
| 19 | $10,378 | 5.875% | — | 12 | +$5,799 | |
| 20 | $10,407 | 6.125% | — | 23 | +$5,828 |
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 | Dfcu Financial | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,579 | $7,127 | −$2,548 (−35.8%) |
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.