Purchase Originations
104
Median Total Costs
$1,450
−78.3% vs national ($6,680)
↑ $89 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$500
Median Lender Credits
—
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 104 | 5.750% | $1,450 | $500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 104 | 5.750% | $1,450 | #147 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,268 | 5.750% | — | 6 | −$182 | |
| 2 | $1,376 | 5.750% | — | 75 | −$74 | |
| 3 | $1,567 | 5.750% | — | 3 | +$117 | |
| 4 | $2,071 | 5.750% | — | 1 | +$621 | |
| 5 | $2,146 | 5.750% | — | 3 | +$696 | |
| 6 | $2,455 | 5.750% | — | 1 | +$1,005 | |
| 7 | $3,018 | 5.750% | — | 6 | +$1,568 | |
| 8 | $3,096 | 5.750% | — | 2 | +$1,646 | |
| 9 | $4,020 | 5.750% | — | 2 | +$2,570 | |
| 10 | $4,276 | 5.750% | — | 5 | +$2,826 |
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 | Financial Plus Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $1,450 | $7,127 | −$5,677 (−79.7%) |
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.