Empeople Credit Union closing costs and rates (2024)
In 2024, Empeople Credit Union originated 587 purchase mortgages at a median interest rate of 5.99% and median total closing costs of $2,925. That ranks #575 nationally by origination volume. For total closing costs among lenders with 500+ originations, Empeople Credit Union ranks #46. That is $3,816 below the national median of $6,741. Empeople Credit Union is most active in Iowa with 219 originations there.
Purchase Originations
587
Ranked #575 nationally
Median Total Costs
$2,925
−56.6% vs national ($6,741)
Median Rate
5.990%
−9.5% vs national (6.620%)
Median Origination
$990
Median Lender Credits
$500
Cost Rank (500+ vol.)
#46
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 587 | 5.990% | $2,925 | $990 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Iowa | 219 | 5.990% | $2,590 | #30 |
| Illinois | 92 | 6.250% | $2,642 | #149 |
| North Carolina | 30 | 5.990% | $3,576 | — |
| Kansas | 23 | 6.250% | $3,070 | — |
| Wisconsin | 23 | 6.250% | $2,858 | — |
| Texas | 17 | 5.990% | $5,699 | — |
| Georgia | 16 | 5.995% | $3,508 | — |
| Maine | 16 | 5.990% | $3,314 | — |
| North Dakota | 15 | 6.500% | $3,378 | — |
| Minnesota | 14 | 6.308% | $3,661 | — |
| Florida | 13 | 5.875% | $4,317 | — |
| Oklahoma | 13 | 6.125% | $4,029 | — |
| Missouri | 12 | 6.058% | $3,053 | — |
| Nebraska | 11 | 5.990% | $3,087 | — |
| Ohio | 9 | 5.875% | $4,606 | — |
| Indiana | 7 | 6.375% | $2,567 | — |
| South Carolina | 6 | 6.312% | $3,788 | — |
| Kentucky | 5 | 6.750% | $3,625 | — |
| Tennessee | 5 | 5.990% | $2,212 | — |
| Arkansas | 4 | 6.250% | $3,124 | — |
| Arizona | 4 | 6.290% | $5,582 | — |
| Colorado | 4 | 5.553% | $3,150 | — |
| Pennsylvania | 4 | 6.183% | $4,001 | — |
| South Dakota | 4 | 6.438% | $3,277 | — |
| California | 2 | 5.615% | $3,216 | — |
| Idaho | 2 | 6.312% | $7,956 | — |
| Louisiana | 2 | 6.062% | $3,919 | — |
| Virginia | 2 | 5.615% | $4,867 | — |
| West Virginia | 2 | 6.183% | $3,653 | — |
| Alabama | 1 | 5.990% | $2,556 | — |
| Connecticut | 1 | 5.875% | $4,586 | — |
| Delaware | 1 | 5.990% | $3,170 | — |
| Maryland | 1 | 6.240% | $5,307 | — |
| Michigan | 1 | 5.990% | $3,172 | — |
| Mississippi | 1 | 5.990% | $0 | — |
| Montana | 1 | 5.750% | $4,288 | — |
| New Hampshire | 1 | 6.240% | $3,676 | — |
| New Mexico | 1 | 6.500% | $2,054 | — |
| Nevada | 1 | 5.875% | $2,818 | — |
| Washington | 1 | 6.625% | $3,073 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,267 | 5.990% | — | 5 | −$658 | |
| 2 | $2,268 | 6.312% | — | 4 | −$657 | |
| 3 | $2,464 | 5.990% | — | 76 | −$461 | |
| 4 | $2,550 | 5.990% | — | 16 | −$375 | |
| 5 | $2,564 | 6.938% | — | 4 | −$361 | |
| 6 | $2,568 | 6.375% | — | 53 | −$357 | |
| 7 | $2,588 | 5.990% | — | 42 | −$337 | |
| 8 | $2,615 | 6.250% | — | 8 | −$310 | |
| 9 | $2,635 | 5.990% | — | 18 | −$290 | |
| 10 | $2,753 | 5.990% | — | 18 | −$172 | |
| 11 | $2,825 | 6.125% | — | 5 | −$100 | |
| 12 | $2,977 | 6.125% | — | 14 | +$52 | |
| 13 | $2,978 | 6.370% | — | 10 | +$53 | |
| 14 | $3,067 | 5.740% | — | 5 | +$142 | |
| 15 | $3,209 | 7.000% | — | 5 | +$284 | |
| 16 | $3,235 | 5.812% | — | 4 | +$310 | |
| 17 | $3,410 | 5.875% | — | 6 | +$485 | |
| 18 | $3,538 | 6.115% | — | 8 | +$613 | |
| 19 | $3,834 | 6.120% | — | 4 | +$909 | |
| 20 | $3,860 | 6.062% | — | 8 | +$935 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.