Purchase Originations
343
Median Total Costs
$5,905
−11.6% vs national ($6,680)
↑ $227 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,195
Median Lender Credits
$625
Denial Rate
10.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 343 | 6.125% | $5,905 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 279 | 6.125% | $5,953 | #127 |
| Texas | 11 | 6.125% | $10,571 | — |
| California | 10 | 5.938% | $7,885 | — |
| North Carolina | 8 | 6.125% | $3,792 | — |
| Virginia | 7 | 6.000% | $4,573 | — |
| Georgia | 5 | 5.875% | $5,340 | — |
| Washington | 5 | 6.000% | $4,969 | — |
| South Carolina | 4 | 6.500% | $4,606 | — |
| Arizona | 3 | 5.875% | $6,076 | — |
| Tennessee | 3 | 6.375% | $4,425 | — |
| Colorado | 2 | 5.875% | $3,596 | — |
| Connecticut | 2 | 6.188% | $4,592 | — |
| Utah | 2 | 6.062% | $4,750 | — |
| Massachusetts | 1 | 5.875% | $6,889 | — |
| Pennsylvania | 1 | 6.625% | $6,780 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,735 | 6.125% | — | 3 | −$2,170 | |
| 2 | $4,610 | 6.375% | — | 3 | −$1,295 | |
| 3 | $5,012 | 6.250% | — | 26 | −$893 | |
| 4 | $5,118 | 6.125% | — | 7 | −$787 | |
| 5 | $5,582 | 6.000% | — | 27 | −$323 | |
| 6 | $5,612 | 6.000% | — | 4 | −$293 | |
| 7 | $5,687 | 6.750% | — | 2 | −$218 | |
| 8 | $5,690 | 5.875% | — | 2 | −$215 | |
| 9 | $5,697 | 6.375% | — | 65 | −$208 | |
| 10 | $5,738 | 5.812% | — | 6 | −$167 | |
| 11 | $6,131 | 6.125% | — | 91 | +$226 | |
| 12 | $7,141 | 5.812% | — | 2 | +$1,236 | |
| 13 | $7,296 | 5.625% | — | 3 | +$1,391 | |
| 14 | $7,892 | 6.438% | — | 8 | +$1,987 | |
| 15 | $7,942 | 5.688% | — | 4 | +$2,037 | |
| 16 | $8,342 | 6.062% | — | 4 | +$2,437 | |
| 17 | $8,883 | 5.875% | — | 3 | +$2,978 | |
| 18 | $9,306 | 5.812% | — | 2 | +$3,401 | |
| 19 | $10,204 | 5.688% | — | 2 | +$4,299 | |
| 20 | $11,594 | 6.000% | — | 7 | +$5,689 |
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 | Fairwinds Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $5,905 | $7,127 | −$1,222 (−17.1%) |
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.