Purchase Originations
134
Median Total Costs
$2,372
−64.5% vs national ($6,680)
↑ $64 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$600
Median Lender Credits
$8
Denial Rate
0.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 134 | 6.500% | $2,372 | $600 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,894 | 6.000% | — | 1 | −$478 | |
| 2 | $2,294 | 6.500% | — | 89 | −$78 | |
| 3 | $2,301 | 6.625% | — | 4 | −$71 | |
| 4 | $2,334 | 6.875% | — | 1 | −$38 | |
| 5 | $2,403 | 5.875% | — | 1 | +$31 | |
| 6 | $2,456 | 6.188% | — | 2 | +$84 | |
| 7 | $2,678 | 6.500% | — | 15 | +$306 | |
| 8 | $2,744 | 6.375% | — | 13 | +$372 | |
| 9 | $2,804 | 6.500% | — | 1 | +$432 | |
| 10 | $2,830 | 6.500% | — | 1 | +$458 | |
| 11 | $2,975 | 6.500% | — | 1 | +$603 | |
| 12 | $3,003 | 6.125% | — | 1 | +$631 | |
| 13 | $3,283 | 5.500% | — | 1 | +$911 | |
| 14 | $3,882 | 6.625% | — | 2 | +$1,510 | |
| 15 | $5,871 | 5.500% | — | 1 | +$3,499 |
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 | FREMONT Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $135,000 | $335,000 | −$200,000 (−59.7%) |
| Median total closing costs | $2,372 | $7,127 | −$4,755 (−66.7%) |
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.