Purchase Originations
329
Median Total Costs
$3,949
−40.9% vs national ($6,680)
↑ $168 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$650
Median Lender Credits
$3,046
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 329 | 6.375% | $3,949 | $650 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 307 | 6.375% | $3,926 | #37 |
| New York | 11 | 6.500% | $5,417 | — |
| Vermont | 8 | 6.625% | $4,478 | — |
| South Carolina | 2 | 6.125% | $3,352 | — |
| Connecticut | 1 | 6.750% | $3,956 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,589 | 6.000% | — | 1 | −$1,360 | |
| 2 | $3,495 | 6.500% | — | 1 | −$454 | |
| 3 | $3,664 | 6.375% | — | 5 | −$285 | |
| 4 | $3,927 | 6.375% | — | 301 | −$22 | |
| 5 | $3,956 | 6.750% | — | 1 | +$7 | |
| 6 | $4,116 | 6.250% | — | 1 | +$167 | |
| 7 | $4,463 | 4.875% | — | 1 | +$514 | |
| 8 | $4,478 | 6.688% | — | 6 | +$529 | |
| 9 | $4,495 | 6.625% | — | 1 | +$546 | |
| 10 | $4,497 | 6.500% | — | 2 | +$548 | |
| 11 | $5,097 | 6.438% | — | 2 | +$1,148 | |
| 12 | $5,417 | 6.625% | — | 1 | +$1,468 | |
| 13 | $5,766 | 6.438% | — | 6 | +$1,817 |
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 | Greylock Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,949 | $7,127 | −$3,178 (−44.6%) |
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.