Purchase Originations
548
Ranked #595 nationally
Median Total Costs
$7,501
+12.3% vs national ($6,680)
↑ $543 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,900
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#404
among lenders with 500+ originations
Denial Rate
13.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 548 | 6.250% | $7,501 | $4,900 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 487 | 6.250% | $7,352 | #34 |
| Idaho | 47 | 6.000% | $10,659 | — |
| Oregon | 14 | 6.250% | $5,689 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,157 | 6.375% | — | 7 | −$2,344 | |
| 2 | $5,723 | 6.438% | — | 24 | −$1,778 | |
| 3 | $6,956 | 6.375% | — | 65 | −$545 | |
| 4 | $6,977 | 6.250% | — | 5 | −$524 | |
| 5 | $6,982 | 6.562% | — | 10 | −$519 | |
| 6 | $7,107 | 6.500% | — | 37 | −$394 | |
| 7 | $7,142 | 5.938% | — | 28 | −$359 | |
| 8 | $7,267 | 6.125% | — | 139 | −$234 | |
| 9 | $7,575 | 6.062% | — | 4 | +$74 | |
| 10 | $7,621 | 6.125% | — | 78 | +$120 | |
| 11 | $8,115 | 6.875% | — | 7 | +$614 | |
| 12 | $8,139 | 6.375% | — | 7 | +$638 | |
| 13 | $8,315 | 6.438% | — | 10 | +$814 | |
| 14 | $8,461 | 6.438% | — | 6 | +$960 | |
| 15 | $8,537 | 5.240% | — | 7 | +$1,036 | |
| 16 | $8,650 | 5.240% | — | 5 | +$1,149 | |
| 17 | $8,958 | 6.250% | — | 25 | +$1,457 | |
| 18 | $10,677 | 5.875% | — | 29 | +$3,176 | |
| 19 | $11,650 | 5.870% | — | 8 | +$4,149 | |
| 20 | $18,550 | 6.750% | — | 5 | +$11,049 |
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 | Gesa Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $390,000 | $335,000 | +$55,000 (+16.4%) |
| Median total closing costs | $7,501 | $7,127 | +$374 (+5.2%) |
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.