Purchase Originations
181
Median Total Costs
$3,421
−48.8% vs national ($6,680)
↑ $310 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,130
Median Lender Credits
$55
Denial Rate
10.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 162 | 6.000% | $3,388 | $1,130 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,746 | 6.000% | — | 1 | −$675 | |
| 2 | $2,870 | 5.750% | — | 1 | −$551 | |
| 3 | $2,903 | 6.312% | — | 2 | −$518 | |
| 4 | $2,996 | 6.250% | — | 1 | −$425 | |
| 5 | $3,019 | 6.125% | — | 3 | −$402 | |
| 6 | $3,044 | 6.250% | — | 1 | −$377 | |
| 7 | $3,261 | 6.062% | — | 8 | −$160 | |
| 8 | $3,360 | 6.000% | — | 99 | −$61 | |
| 9 | $3,465 | 6.000% | — | 3 | +$44 | |
| 10 | $3,512 | 6.125% | — | 9 | +$91 | |
| 11 | $3,550 | 6.500% | — | 1 | +$129 | |
| 12 | $3,606 | 5.875% | — | 5 | +$185 | |
| 13 | $3,644 | 5.500% | — | 3 | +$223 | |
| 14 | $3,664 | 6.000% | — | 14 | +$243 | |
| 15 | $3,669 | 6.125% | — | 1 | +$248 | |
| 16 | $3,713 | 5.750% | — | 2 | +$292 | |
| 17 | $3,778 | 6.250% | — | 4 | +$357 | |
| 18 | $3,960 | 6.000% | — | 1 | +$539 | |
| 19 | $5,057 | 5.750% | — | 11 | +$1,636 | |
| 20 | $5,906 | 6.188% | — | 2 | +$2,485 |
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 | Dort Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $3,421 | $7,127 | −$3,706 (−52.0%) |
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.