Purchase Originations
138
Median Total Costs
$4,909
−26.5% vs national ($6,680)
↑ $453 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$990
Median Lender Credits
—
Denial Rate
8.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 138 | 6.125% | $4,909 | $990 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 135 | 6.125% | $4,886 | #136 |
| New Jersey | 2 | 6.125% | $5,971 | — |
| Florida | 1 | 6.624% | $3,896 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,509 | 6.125% | — | 6 | −$1,400 | |
| 2 | $3,896 | 6.624% | — | 1 | −$1,013 | |
| 3 | $4,340 | 6.188% | — | 4 | −$569 | |
| 4 | $4,549 | 6.625% | — | 2 | −$360 | |
| 5 | $4,660 | 6.062% | — | 2 | −$249 | |
| 6 | $4,836 | 5.875% | — | 1 | −$73 | |
| 7 | $4,847 | 6.125% | — | 19 | −$62 | |
| 8 | $4,862 | 6.125% | — | 39 | −$47 | |
| 9 | $4,884 | 6.125% | — | 3 | −$25 | |
| 10 | $5,112 | 6.125% | — | 2 | +$203 | |
| 11 | $5,143 | 6.250% | — | 6 | +$234 | |
| 12 | $5,192 | 6.125% | — | 39 | +$283 | |
| 13 | $5,403 | 6.125% | — | 1 | +$494 | |
| 14 | $5,533 | 6.125% | — | 1 | +$624 | |
| 15 | $5,558 | 6.125% | — | 7 | +$649 | |
| 16 | $5,559 | 6.125% | — | 1 | +$650 | |
| 17 | $6,384 | 6.125% | — | 1 | +$1,475 | |
| 18 | $8,261 | 6.250% | — | 2 | +$3,352 | |
| 19 | $8,672 | 5.875% | — | 1 | +$3,763 |
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 | First Commonwealth Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $300,000 | $335,000 | −$35,000 (−10.4%) |
| Median total closing costs | $4,909 | $7,127 | −$2,218 (−31.1%) |
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.