Purchase Originations
409
Median Total Costs
$1,450
−78.3% vs national ($6,680)
↑ $0 vs prior year
Median Rate
9.250%
+42.5% vs national (6.490%)
↓ 0.050% vs prior year
Median Origination
$995
Median Lender Credits
—
Denial Rate
0.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 409 | 9.250% | $1,450 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 409 | 9.250% | $1,450 | #91 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,420 | 8.450% | — | 1 | −$30 | |
| 2 | $1,450 | 9.250% | — | 234 | +$0 | |
| 3 | $1,450 | 9.500% | — | 61 | +$0 | |
| 4 | $1,450 | 9.250% | — | 41 | +$0 | |
| 5 | $1,450 | 9.250% | — | 35 | +$0 | |
| 6 | $1,450 | 9.250% | — | 14 | +$0 | |
| 7 | $1,450 | 11.300% | — | 4 | +$0 | |
| 8 | $1,450 | 10.000% | — | 3 | +$0 | |
| 9 | $1,450 | 8.800% | — | 2 | +$0 | |
| 10 | $1,450 | 9.000% | — | 1 | +$0 | |
| 11 | $1,450 | 10.000% | — | 1 | +$0 | |
| 12 | $1,470 | 8.200% | — | 3 | +$20 | |
| 13 | $1,470 | 10.000% | — | 1 | +$20 | |
| 14 | $1,480 | 9.625% | — | 2 | +$30 | |
| 15 | $1,530 | 9.125% | — | 6 | +$80 |
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 | Eagle Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $1,450 | $7,127 | −$5,677 (−79.7%) |
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.