Purchase Originations
182
Median Total Costs
$2,995
−55.2% vs national ($6,680)
↓ $18 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$0
Median Lender Credits
$20
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 182 | 6.625% | $2,995 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 170 | 6.625% | $3,026 | #223 |
| New Mexico | 12 | 6.625% | $2,806 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,188 | 6.620% | — | 2 | −$807 | |
| 2 | $2,616 | 6.625% | — | 1 | −$379 | |
| 3 | $2,627 | 5.875% | — | 1 | −$368 | |
| 4 | $2,866 | 6.625% | — | 8 | −$129 | |
| 5 | $2,995 | 6.625% | — | 164 | +$0 | |
| 6 | $3,182 | 6.750% | — | 1 | +$187 | |
| 7 | $4,038 | 7.125% | — | 1 | +$1,043 | |
| 8 | $4,454 | 6.115% | — | 1 | +$1,459 | |
| 9 | $5,566 | 6.375% | — | 1 | +$2,571 | |
| 10 | $7,718 | 7.125% | — | 1 | +$4,723 | |
| 11 | $7,914 | 7.000% | — | 1 | +$4,919 |
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 | GECU Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $2,995 | $7,127 | −$4,132 (−58.0%) |
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.