Purchase Originations
289
Median Total Costs
$7,288
+9.1% vs national ($6,680)
↓ $507 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,044
Median Lender Credits
$101
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 289 | 6.000% | $7,288 | $3,044 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 289 | 6.000% | $7,288 | #163 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,395 | 5.875% | — | 1 | −$1,893 | |
| 2 | $5,628 | 6.000% | — | 2 | −$1,660 | |
| 3 | $6,184 | 6.250% | — | 3 | −$1,104 | |
| 4 | $6,333 | 6.125% | — | 1 | −$955 | |
| 5 | $6,536 | 6.125% | — | 1 | −$752 | |
| 6 | $6,691 | 6.000% | — | 1 | −$597 | |
| 7 | $6,699 | 5.875% | — | 6 | −$589 | |
| 8 | $7,094 | 6.000% | — | 164 | −$194 | |
| 9 | $7,235 | 6.250% | — | 1 | −$53 | |
| 10 | $7,555 | 5.875% | — | 1 | +$267 | |
| 11 | $7,603 | 6.000% | — | 53 | +$315 | |
| 12 | $7,749 | 6.000% | — | 2 | +$461 | |
| 13 | $7,789 | 5.750% | — | 1 | +$501 | |
| 14 | $7,792 | 6.000% | — | 7 | +$504 | |
| 15 | $7,836 | 6.000% | — | 29 | +$548 | |
| 16 | $8,010 | 6.000% | — | 1 | +$722 | |
| 17 | $8,106 | 5.875% | — | 1 | +$818 | |
| 18 | $8,216 | 5.938% | — | 8 | +$928 | |
| 19 | $9,293 | 5.750% | — | 1 | +$2,005 | |
| 20 | $9,745 | 6.000% | — | 2 | +$2,457 |
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 Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $7,288 | $7,127 | +$161 (+2.3%) |
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.