Purchase Originations
611
Ranked #557 nationally
Median Total Costs
$2,393
−64.2% vs national ($6,680)
↑ $929 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$150
Median Lender Credits
$1,600
Cost Rank (500+ vol.)
#21
among lenders with 500+ originations
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 605 | 6.250% | $2,388 | $150 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,975 | 6.500% | — | 1 | −$418 | |
| 2 | $2,152 | 6.062% | — | 2 | −$241 | |
| 3 | $2,215 | 6.125% | — | 1 | −$178 | |
| 4 | $2,258 | 6.500% | — | 26 | −$135 | |
| 5 | $2,285 | 6.375% | — | 11 | −$108 | |
| 6 | $2,302 | 6.375% | — | 161 | −$91 | |
| 7 | $2,330 | 6.250% | — | 211 | −$63 | |
| 8 | $2,338 | 6.125% | — | 3 | −$55 | |
| 9 | $2,426 | 6.125% | — | 1 | +$33 | |
| 10 | $2,462 | 6.000% | — | 4 | +$69 | |
| 11 | $2,464 | 6.250% | — | 3 | +$71 | |
| 12 | $2,470 | 6.125% | — | 72 | +$77 | |
| 13 | $2,613 | 6.625% | — | 3 | +$220 | |
| 14 | $2,673 | 6.375% | — | 23 | +$280 | |
| 15 | $2,703 | 6.125% | — | 2 | +$310 | |
| 16 | $2,706 | 6.188% | — | 20 | +$313 | |
| 17 | $2,717 | 6.000% | — | 4 | +$324 | |
| 18 | $2,739 | 6.125% | — | 50 | +$346 | |
| 19 | $4,733 | 6.062% | — | 4 | +$2,340 | |
| 20 | $4,755 | 6.062% | — | 2 | +$2,362 |
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 | Educators Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $2,393 | $7,127 | −$4,734 (−66.4%) |
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.