Purchase Originations
153
Median Total Costs
$3,178
−52.4% vs national ($6,680)
↑ $106 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$400
Median Lender Credits
$70
Denial Rate
8.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 153 | 6.250% | $3,178 | $400 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 114 | 6.250% | $3,229 | #115 |
| Pennsylvania | 39 | 6.250% | $3,109 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,054 | 6.250% | — | 39 | −$124 | |
| 2 | $3,057 | 6.000% | — | 7 | −$121 | |
| 3 | $3,077 | 6.375% | — | 25 | −$101 | |
| 4 | $3,180 | 6.000% | — | 1 | +$2 | |
| 5 | $3,272 | 6.250% | — | 64 | +$94 | |
| 6 | $3,437 | 6.062% | — | 2 | +$259 | |
| 7 | $3,475 | 6.375% | — | 1 | +$297 | |
| 8 | $3,600 | 6.000% | — | 1 | +$422 | |
| 9 | $3,736 | 6.312% | — | 2 | +$558 | |
| 10 | $3,805 | 6.312% | — | 2 | +$627 | |
| 11 | $3,983 | 6.000% | — | 1 | +$805 | |
| 12 | $4,233 | 5.875% | — | 1 | +$1,055 | |
| 13 | $4,775 | 5.875% | — | 5 | +$1,597 | |
| 14 | $6,718 | 5.875% | — | 2 | +$3,540 |
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 Heritage Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $3,178 | $7,127 | −$3,949 (−55.4%) |
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.