Purchase Originations
116
Median Total Costs
$2,916
−56.4% vs national ($6,680)
↓ $212 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$1,000
Median Lender Credits
$375
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 116 | 6.250% | $2,916 | $1,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 57 | 6.375% | $2,642 | #128 |
| Pennsylvania | 33 | 6.250% | $3,538 | — |
| West Virginia | 26 | 6.000% | $2,697 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,047 | 6.250% | — | 1 | −$869 | |
| 2 | $2,532 | 6.990% | — | 1 | −$384 | |
| 3 | $2,638 | 6.375% | — | 52 | −$278 | |
| 4 | $2,659 | 6.812% | — | 4 | −$257 | |
| 5 | $2,697 | 6.000% | — | 24 | −$219 | |
| 6 | $3,344 | 5.875% | — | 4 | +$428 | |
| 7 | $3,469 | 6.188% | — | 26 | +$553 | |
| 8 | $3,528 | 6.000% | — | 1 | +$612 | |
| 9 | $3,743 | 5.000% | — | 1 | +$827 | |
| 10 | $4,217 | 6.500% | — | 1 | +$1,301 | |
| 11 | $4,915 | 6.000% | — | 1 | +$1,999 |
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 Peoples Community Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $180,000 | $335,000 | −$155,000 (−46.3%) |
| Median total closing costs | $2,916 | $7,127 | −$4,211 (−59.1%) |
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.