Purchase Originations
141
Median Total Costs
$3,424
−48.7% vs national ($6,680)
↑ $514 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,440
Median Lender Credits
$100
Denial Rate
7.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 141 | 6.625% | $3,424 | $1,440 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kansas | 141 | 6.625% | $3,424 | #49 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,220 | 6.625% | — | 1 | −$1,204 | |
| 2 | $2,538 | 6.875% | — | 5 | −$886 | |
| 3 | $2,605 | 6.750% | — | 1 | −$819 | |
| 4 | $3,061 | 6.500% | — | 4 | −$363 | |
| 5 | $3,165 | 6.125% | — | 2 | −$259 | |
| 6 | $3,186 | 6.250% | — | 1 | −$238 | |
| 7 | $3,419 | 6.625% | — | 110 | −$5 | |
| 8 | $3,467 | 6.750% | — | 1 | +$43 | |
| 9 | $3,648 | 6.125% | — | 3 | +$224 | |
| 10 | $3,799 | 6.750% | — | 7 | +$375 | |
| 11 | $3,960 | 7.000% | — | 1 | +$536 | |
| 12 | $4,115 | 6.688% | — | 4 | +$691 | |
| 13 | $4,161 | 6.625% | — | 1 | +$737 |
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 | Envista Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,424 | $7,127 | −$3,703 (−52.0%) |
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.