Purchase Originations
1,648
Ranked #264 nationally
Median Total Costs
$3,809
−43.0% vs national ($6,680)
↑ $195 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$995
Median Lender Credits
$500
Cost Rank (500+ vol.)
#92
among lenders with 500+ originations
Denial Rate
8.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,219 | 6.000% | $3,419 | $995 |
| va | 238 | 5.500% | $7,742 | $995 |
| fha | 191 | 5.875% | $8,716 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 1,648 | 5.875% | $3,809 | #5 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,012 | 6.250% | — | 4 | −$797 | |
| 2 | $3,311 | 5.875% | — | 68 | −$498 | |
| 3 | $3,403 | 5.625% | — | 68 | −$406 | |
| 4 | $3,404 | 5.625% | — | 9 | −$405 | |
| 5 | $3,531 | 6.125% | — | 35 | −$278 | |
| 6 | $3,564 | 6.125% | — | 47 | −$245 | |
| 7 | $3,580 | 6.125% | — | 3 | −$229 | |
| 8 | $3,821 | 5.750% | — | 106 | +$12 | |
| 9 | $3,821 | 5.875% | — | 25 | +$12 | |
| 10 | $3,829 | 5.875% | — | 75 | +$20 | |
| 11 | $3,864 | 5.875% | — | 857 | +$55 | |
| 12 | $4,039 | 6.250% | — | 182 | +$230 | |
| 13 | $4,405 | 5.875% | — | 43 | +$596 | |
| 14 | $4,566 | 6.062% | — | 22 | +$757 | |
| 15 | $4,587 | 5.750% | — | 70 | +$778 | |
| 16 | $5,204 | 6.125% | — | 8 | +$1,395 | |
| 17 | $6,806 | 5.938% | — | 2 | +$2,997 | |
| 18 | $7,735 | 5.750% | — | 2 | +$3,926 | |
| 19 | $8,315 | 5.625% | — | 2 | +$4,506 | |
| 20 | $11,297 | 5.875% | — | 4 | +$7,488 |
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 | Ent Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $3,809 | $7,127 | −$3,318 (−46.6%) |
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.