Purchase Originations
729
Ranked #488 nationally
Median Total Costs
$4,149
−37.9% vs national ($6,680)
↑ $646 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$795
Median Lender Credits
$50
Cost Rank (500+ vol.)
#121
among lenders with 500+ originations
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 723 | 6.125% | $4,114 | $795 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Vermont | 706 | 6.125% | $4,119 | #1 |
| Michigan | 11 | 6.375% | $4,452 | — |
| New Hampshire | 8 | 6.125% | $4,216 | — |
| Massachusetts | 4 | 5.745% | $5,352 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,010 | 5.500% | — | 1 | −$1,139 | |
| 2 | $3,638 | 6.562% | — | 2 | −$511 | |
| 3 | $3,687 | 6.438% | — | 22 | −$462 | |
| 4 | $3,747 | 6.562% | — | 4 | −$402 | |
| 5 | $3,770 | 6.125% | — | 13 | −$379 | |
| 6 | $3,982 | 6.250% | — | 91 | −$167 | |
| 7 | $4,003 | 6.250% | — | 80 | −$146 | |
| 8 | $4,051 | 5.812% | — | 6 | −$98 | |
| 9 | $4,087 | 6.000% | — | 23 | −$62 | |
| 10 | $4,110 | 6.250% | — | 33 | −$39 | |
| 11 | $4,172 | 6.125% | — | 16 | +$23 | |
| 12 | $4,216 | 6.000% | — | 362 | +$67 | |
| 13 | $4,262 | 6.125% | — | 9 | +$113 | |
| 14 | $4,284 | 6.000% | — | 12 | +$135 | |
| 15 | $4,302 | 6.250% | — | 21 | +$153 | |
| 16 | $4,514 | 6.375% | — | 4 | +$365 | |
| 17 | $4,942 | 6.188% | — | 18 | +$793 | |
| 18 | $5,466 | 5.375% | — | 2 | +$1,317 | |
| 19 | $6,406 | 6.125% | — | 2 | +$2,257 | |
| 20 | $6,892 | 6.125% | — | 2 | +$2,743 |
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 | EastRise Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $4,149 | $7,127 | −$2,978 (−41.8%) |
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.