Purchase Originations
548
Ranked #594 nationally
Median Total Costs
$3,145
−52.9% vs national ($6,680)
↑ $274 vs prior year
Median Rate
6.495%
+0.1% vs national (6.490%)
↓ 0.005% vs prior year
Median Origination
$1,130
Median Lender Credits
$368
Cost Rank (500+ vol.)
#50
among lenders with 500+ originations
Denial Rate
5.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 445 | 6.625% | $2,998 | $1,130 |
| fha | 91 | 5.990% | $6,772 | $1,130 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,767 | 6.500% | — | 13 | −$378 | |
| 2 | $2,778 | 6.500% | — | 5 | −$367 | |
| 3 | $2,939 | 6.125% | — | 11 | −$206 | |
| 4 | $2,954 | 6.375% | — | 37 | −$191 | |
| 5 | $2,960 | 6.625% | — | 25 | −$185 | |
| 6 | $3,004 | 6.875% | — | 6 | −$141 | |
| 7 | $3,026 | 6.500% | — | 154 | −$119 | |
| 8 | $3,042 | 6.375% | — | 80 | −$103 | |
| 9 | $3,059 | 6.250% | — | 5 | −$86 | |
| 10 | $3,230 | 6.562% | — | 58 | +$85 | |
| 11 | $3,312 | 6.375% | — | 9 | +$167 | |
| 12 | $3,400 | 6.625% | — | 25 | +$255 | |
| 13 | $3,474 | 6.438% | — | 12 | +$329 | |
| 14 | $3,774 | 6.625% | — | 9 | +$629 | |
| 15 | $3,816 | 6.250% | — | 8 | +$671 | |
| 16 | $4,063 | 6.875% | — | 7 | +$918 | |
| 17 | $4,244 | 6.625% | — | 5 | +$1,099 | |
| 18 | $4,278 | 6.620% | — | 6 | +$1,133 | |
| 19 | $6,384 | 6.250% | — | 13 | +$3,239 | |
| 20 | $6,832 | 6.562% | — | 4 | +$3,687 |
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 | Everwise Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $3,145 | $7,127 | −$3,982 (−55.9%) |
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.