Purchase Originations
154
Median Total Costs
$2,422
−63.7% vs national ($6,680)
↑ $71 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$965
Median Lender Credits
$4
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 154 | 6.125% | $2,422 | $965 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,326 | 6.125% | — | 1 | −$96 | |
| 2 | $2,352 | 6.000% | — | 53 | −$70 | |
| 3 | $2,400 | 6.250% | — | 4 | −$22 | |
| 4 | $2,405 | 6.125% | — | 46 | −$17 | |
| 5 | $2,448 | 6.125% | — | 7 | +$26 | |
| 6 | $2,502 | 6.375% | — | 1 | +$80 | |
| 7 | $2,505 | 5.938% | — | 2 | +$83 | |
| 8 | $2,514 | 6.250% | — | 2 | +$92 | |
| 9 | $2,520 | 5.875% | — | 1 | +$98 | |
| 10 | $2,557 | 6.500% | — | 1 | +$135 | |
| 11 | $2,588 | 5.750% | — | 2 | +$166 | |
| 12 | $2,593 | 6.625% | — | 1 | +$171 | |
| 13 | $2,628 | 6.250% | — | 1 | +$206 | |
| 14 | $2,690 | 6.125% | — | 15 | +$268 | |
| 15 | $2,707 | 6.250% | — | 1 | +$285 | |
| 16 | $2,797 | 6.000% | — | 1 | +$375 | |
| 17 | $2,800 | 6.375% | — | 2 | +$378 | |
| 18 | $2,844 | 6.375% | — | 3 | +$422 | |
| 19 | $3,010 | 6.125% | — | 5 | +$588 | |
| 20 | $3,106 | 6.375% | — | 2 | +$684 |
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 | DuTrac Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $2,422 | $7,127 | −$4,705 (−66.0%) |
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.