Purchase Originations
614
Ranked #555 nationally
Median Total Costs
$2,400
−64.1% vs national ($6,680)
↓ $179 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$695
Median Lender Credits
—
Cost Rank (500+ vol.)
#22
among lenders with 500+ originations
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 614 | 6.125% | $2,400 | $695 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,817 | 6.000% | — | 3 | −$583 | |
| 2 | $1,922 | 6.000% | — | 3 | −$478 | |
| 3 | $2,167 | 6.625% | — | 2 | −$233 | |
| 4 | $2,297 | 6.375% | — | 5 | −$103 | |
| 5 | $2,310 | 6.375% | — | 56 | −$90 | |
| 6 | $2,318 | 6.438% | — | 12 | −$82 | |
| 7 | $2,329 | 6.125% | — | 176 | −$71 | |
| 8 | $2,367 | 6.125% | — | 19 | −$33 | |
| 9 | $2,386 | 6.312% | — | 2 | −$14 | |
| 10 | $2,389 | 6.062% | — | 78 | −$11 | |
| 11 | $2,498 | 6.125% | — | 28 | +$98 | |
| 12 | $2,513 | 6.062% | — | 10 | +$113 | |
| 13 | $2,562 | 6.125% | — | 163 | +$162 | |
| 14 | $2,563 | 6.250% | — | 3 | +$163 | |
| 15 | $2,627 | 6.125% | — | 35 | +$227 | |
| 16 | $2,714 | 5.875% | — | 3 | +$314 | |
| 17 | $2,757 | 5.875% | — | 2 | +$357 | |
| 18 | $3,285 | 6.125% | — | 2 | +$885 | |
| 19 | $3,443 | 5.875% | — | 2 | +$1,043 | |
| 20 | $5,545 | 6.375% | — | 1 | +$3,145 |
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 | Fox Communities Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $2,400 | $7,127 | −$4,727 (−66.3%) |
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.