Purchase Originations
634
Ranked #545 nationally
Median Total Costs
$3,778
−43.4% vs national ($6,680)
↓ $28 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,954
Median Lender Credits
$308
Cost Rank (500+ vol.)
#89
among lenders with 500+ originations
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 565 | 6.500% | $3,695 | $1,951 |
| fha | 64 | 6.750% | $6,755 | $2,018 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 634 | 6.625% | $3,778 | #34 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,458 | 6.625% | — | 13 | −$320 | |
| 2 | $3,497 | 6.625% | — | 7 | −$281 | |
| 3 | $3,542 | 6.000% | — | 1 | −$236 | |
| 4 | $3,552 | 6.562% | — | 2 | −$226 | |
| 5 | $3,643 | 6.812% | — | 14 | −$135 | |
| 6 | $3,744 | 6.625% | — | 38 | −$34 | |
| 7 | $3,749 | 6.500% | — | 464 | −$29 | |
| 8 | $3,770 | 6.688% | — | 2 | −$8 | |
| 9 | $3,836 | 6.625% | — | 36 | +$58 | |
| 10 | $3,912 | 6.875% | — | 7 | +$134 | |
| 11 | $3,980 | 6.625% | — | 3 | +$202 | |
| 12 | $4,021 | 5.750% | — | 3 | +$243 | |
| 13 | $4,075 | 6.688% | — | 30 | +$297 | |
| 14 | $4,286 | 6.500% | — | 3 | +$508 | |
| 15 | $5,205 | 6.875% | — | 1 | +$1,427 | |
| 16 | $5,342 | 6.438% | — | 4 | +$1,564 | |
| 17 | $5,991 | 6.312% | — | 4 | +$2,213 | |
| 18 | $6,429 | 6.625% | — | 1 | +$2,651 | |
| 19 | $7,649 | 6.625% | — | 1 | +$3,871 |
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 | ESL Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $3,778 | $7,127 | −$3,349 (−47.0%) |
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.