Purchase Originations
114
Median Total Costs
$5,230
−21.7% vs national ($6,680)
↓ $8 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$700
Median Lender Credits
$21
Denial Rate
3.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 114 | 6.000% | $5,230 | $700 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 78 | 6.000% | $5,769 | #220 |
| Arizona | 10 | 5.812% | $4,289 | — |
| Tennessee | 6 | 6.000% | $4,270 | — |
| Idaho | 4 | 6.125% | $5,214 | — |
| Nevada | 3 | 5.990% | $3,327 | — |
| Washington | 3 | 6.750% | $3,558 | — |
| Colorado | 2 | 5.375% | $8,650 | — |
| Montana | 2 | 6.125% | $4,184 | — |
| Oregon | 2 | 6.625% | $4,982 | — |
| Texas | 2 | 6.245% | $3,895 | — |
| Florida | 1 | 5.750% | $3,314 | — |
| New Mexico | 1 | 6.750% | $3,224 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,828 | 7.000% | — | 1 | −$2,402 | |
| 2 | $3,069 | 5.750% | — | 1 | −$2,161 | |
| 3 | $3,295 | 6.188% | — | 4 | −$1,935 | |
| 4 | $3,660 | 6.000% | — | 4 | −$1,570 | |
| 5 | $3,731 | 5.875% | — | 1 | −$1,499 | |
| 6 | $4,062 | 5.933% | — | 2 | −$1,168 | |
| 7 | $4,244 | 6.245% | — | 2 | −$986 | |
| 8 | $4,289 | 5.875% | — | 6 | −$941 | |
| 9 | $4,478 | 6.375% | — | 1 | −$752 | |
| 10 | $4,732 | 5.750% | — | 3 | −$498 | |
| 11 | $5,638 | 5.990% | — | 9 | +$408 | |
| 12 | $5,754 | 6.000% | — | 7 | +$524 | |
| 13 | $5,811 | 5.750% | — | 1 | +$581 | |
| 14 | $6,200 | 6.000% | — | 6 | +$970 | |
| 15 | $6,242 | 5.995% | — | 4 | +$1,012 | |
| 16 | $6,461 | 6.000% | — | 7 | +$1,231 | |
| 17 | $6,473 | 6.000% | — | 5 | +$1,243 | |
| 18 | $6,653 | 6.000% | — | 14 | +$1,423 | |
| 19 | $7,957 | 6.000% | — | 1 | +$2,727 | |
| 20 | $8,930 | 5.808% | — | 2 | +$3,700 |
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 | Firefighters First Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $5,230 | $7,127 | −$1,897 (−26.6%) |
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.