Purchase Originations
630
Ranked #549 nationally
Median Total Costs
$2,868
−57.1% vs national ($6,680)
↓ $57 vs prior year
Median Rate
5.825%
−10.3% vs national (6.490%)
↓ 0.165% vs prior year
Median Origination
$990
Median Lender Credits
$222
Cost Rank (500+ vol.)
#42
among lenders with 500+ originations
Denial Rate
9.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 630 | 5.825% | $2,868 | $990 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Iowa | 269 | 5.740% | $2,743 | #28 |
| Illinois | 93 | 5.875% | $2,661 | #154 |
| North Carolina | 46 | 5.875% | $3,440 | — |
| Wisconsin | 26 | 5.938% | $2,940 | — |
| Maine | 18 | 6.062% | $3,474 | — |
| Texas | 17 | 5.500% | $4,242 | — |
| Kansas | 16 | 5.938% | $2,844 | — |
| Georgia | 11 | 5.875% | $4,555 | — |
| North Dakota | 11 | 5.875% | $3,220 | — |
| Florida | 10 | 5.683% | $4,784 | — |
| Minnesota | 10 | 5.808% | $4,086 | — |
| Missouri | 10 | 5.875% | $3,468 | — |
| Tennessee | 10 | 5.808% | $2,632 | — |
| Arizona | 7 | 5.490% | $4,694 | — |
| Colorado | 7 | 5.740% | $3,202 | — |
| Michigan | 7 | 5.740% | $3,264 | — |
| Nebraska | 7 | 6.125% | $3,214 | — |
| South Carolina | 7 | 5.490% | $3,610 | — |
| Oklahoma | 6 | 5.740% | $4,072 | — |
| Virginia | 5 | 5.875% | $4,121 | — |
| Washington | 5 | 5.515% | $0 | — |
| Arkansas | 4 | 6.062% | $3,428 | — |
| Indiana | 4 | 5.615% | $2,899 | — |
| Louisiana | 4 | 6.375% | $3,802 | — |
| Ohio | 4 | 5.745% | $3,920 | — |
| California | 3 | 5.740% | $812 | — |
| New Hampshire | 2 | 5.808% | $4,151 | — |
| West Virginia | 2 | 6.075% | $2,972 | — |
| Alabama | 1 | 6.500% | $4,136 | — |
| Idaho | 1 | 5.250% | $4,703 | — |
| Maryland | 1 | 5.875% | $4,867 | — |
| Mississippi | 1 | 6.140% | $0 | — |
| New Jersey | 1 | 5.490% | $7,158 | — |
| New Mexico | 1 | 6.250% | $3,295 | — |
| Nevada | 1 | 5.740% | $5,576 | — |
| Pennsylvania | 1 | 5.125% | $6,177 | — |
| Vermont | 1 | 5.875% | $4,554 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,620 | 5.490% | — | 6 | −$1,248 | |
| 2 | $2,471 | 5.812% | — | 6 | −$397 | |
| 3 | $2,541 | 5.875% | — | 53 | −$327 | |
| 4 | $2,569 | 5.740% | — | 89 | −$299 | |
| 5 | $2,673 | 6.500% | — | 6 | −$195 | |
| 6 | $2,690 | 5.740% | — | 44 | −$178 | |
| 7 | $2,745 | 5.990% | — | 20 | −$123 | |
| 8 | $2,773 | 5.695% | — | 4 | −$95 | |
| 9 | $2,786 | 5.740% | — | 28 | −$82 | |
| 10 | $2,827 | 5.995% | — | 14 | −$41 | |
| 11 | $2,843 | 5.755% | — | 5 | −$25 | |
| 12 | $2,921 | 6.125% | — | 8 | +$53 | |
| 13 | $2,928 | 5.740% | — | 7 | +$60 | |
| 14 | $2,971 | 6.125% | — | 15 | +$103 | |
| 15 | $3,085 | 6.000% | — | 5 | +$217 | |
| 16 | $3,122 | 6.000% | — | 21 | +$254 | |
| 17 | $3,393 | 5.740% | — | 7 | +$525 | |
| 18 | $3,426 | 6.058% | — | 10 | +$558 | |
| 19 | $3,574 | 5.870% | — | 6 | +$706 | |
| 20 | $4,369 | 5.490% | — | 5 | +$1,501 |
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 | Empeople Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $2,868 | $7,127 | −$4,259 (−59.8%) |
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.