Purchase Originations
788
Ranked #458 nationally
Median Total Costs
$5,779
−13.5% vs national ($6,680)
↑ $383 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,248
Median Lender Credits
$602
Cost Rank (500+ vol.)
#261
among lenders with 500+ originations
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 788 | 6.500% | $5,779 | $1,248 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 286 | 6.500% | $5,892 | #34 |
| Washington | 211 | 6.500% | $5,713 | #61 |
| California | 92 | 6.500% | $6,552 | #212 |
| Texas | 63 | 6.625% | $5,495 | #319 |
| Colorado | 34 | 6.688% | $2,969 | — |
| Idaho | 18 | 6.625% | $5,075 | — |
| Florida | 15 | 6.500% | $6,186 | — |
| Arizona | 12 | 6.812% | $6,524 | — |
| Georgia | 11 | 6.500% | $6,392 | — |
| Massachusetts | 7 | 6.125% | $7,558 | — |
| Nevada | 6 | 6.188% | $5,836 | — |
| Virginia | 6 | 6.625% | $4,794 | — |
| New Mexico | 4 | 7.000% | $4,148 | — |
| New York | 4 | 6.188% | $9,719 | — |
| Ohio | 4 | 7.125% | $3,903 | — |
| Utah | 4 | 6.250% | $5,675 | — |
| North Carolina | 3 | 6.000% | $3,085 | — |
| Maryland | 2 | 6.562% | $5,076 | — |
| South Carolina | 2 | 6.812% | $4,182 | — |
| Delaware | 1 | 5.750% | $7,517 | — |
| New Hampshire | 1 | 5.625% | $14,639 | — |
| New Jersey | 1 | 6.500% | $8,298 | — |
| Pennsylvania | 1 | 7.375% | $5,000 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,610 | 6.500% | — | 9 | −$3,169 | |
| 2 | $2,979 | 6.875% | — | 9 | −$2,800 | |
| 3 | $3,421 | 6.625% | — | 7 | −$2,358 | |
| 4 | $4,442 | 6.250% | — | 15 | −$1,337 | |
| 5 | $4,888 | 6.375% | — | 10 | −$891 | |
| 6 | $4,976 | 7.000% | — | 7 | −$803 | |
| 7 | $4,988 | 6.625% | — | 13 | −$791 | |
| 8 | $5,350 | 6.375% | — | 11 | −$429 | |
| 9 | $5,495 | 6.875% | — | 23 | −$284 | |
| 10 | $5,516 | 6.625% | — | 10 | −$263 | |
| 11 | $5,571 | 6.500% | — | 18 | −$208 | |
| 12 | $5,684 | 6.500% | — | 26 | −$95 | |
| 13 | $5,826 | 6.375% | — | 29 | +$47 | |
| 14 | $5,961 | 6.500% | — | 131 | +$182 | |
| 15 | $5,982 | 6.500% | — | 66 | +$203 | |
| 16 | $6,105 | 6.375% | — | 147 | +$326 | |
| 17 | $6,641 | 6.750% | — | 8 | +$862 | |
| 18 | $6,840 | 6.500% | — | 14 | +$1,061 | |
| 19 | $7,208 | 6.312% | — | 24 | +$1,429 | |
| 20 | $8,052 | 6.562% | — | 8 | +$2,273 |
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 Technology Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $555,000 | $335,000 | +$220,000 (+65.7%) |
| Median total closing costs | $5,779 | $7,127 | −$1,348 (−18.9%) |
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.