ESL Federal Credit Union closing costs and rates (2024)
In 2024, ESL Federal Credit Union originated 509 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $3,806. That ranks #630 nationally by origination volume. For total closing costs among lenders with 500+ originations, ESL Federal Credit Union ranks #101. That is $2,935 below the national median of $6,741. ESL Federal Credit Union is most active in New York with 509 originations there.
Purchase Originations
509
Ranked #630 nationally
Median Total Costs
$3,806
−43.5% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$1,954
Median Lender Credits
$280
Cost Rank (500+ vol.)
#101
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 476 | 6.875% | $3,775 | $1,960 |
| fha | 31 | 7.125% | $6,715 | $1,947 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 509 | 6.875% | $3,806 | #46 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,665 | 6.938% | — | 2 | −$1,141 | |
| 2 | $3,472 | 6.438% | — | 2 | −$334 | |
| 3 | $3,481 | 7.125% | — | 1 | −$325 | |
| 4 | $3,670 | 6.500% | — | 5 | −$136 | |
| 5 | $3,711 | 6.875% | — | 19 | −$95 | |
| 6 | $3,764 | 7.000% | — | 11 | −$42 | |
| 7 | $3,779 | 7.000% | — | 11 | −$27 | |
| 8 | $3,785 | 6.875% | — | 393 | −$21 | |
| 9 | $3,928 | 6.625% | — | 27 | +$122 | |
| 10 | $4,008 | 6.875% | — | 27 | +$202 | |
| 11 | $4,080 | 6.875% | — | 1 | +$274 | |
| 12 | $4,240 | 5.688% | — | 2 | +$434 | |
| 13 | $4,649 | 6.500% | — | 1 | +$843 | |
| 14 | $4,891 | 6.938% | — | 2 | +$1,085 | |
| 15 | $5,009 | 7.250% | — | 2 | +$1,203 | |
| 16 | $6,611 | 6.125% | — | 2 | +$2,805 | |
| 17 | $7,441 | 7.500% | — | 1 | +$3,635 |
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.