Purchase Originations
252
Median Total Costs
$6,011
−10.0% vs national ($6,680)
↑ $403 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,379
Median Lender Credits
$500
Denial Rate
10.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 235 | 6.125% | $5,923 | $1,373 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 252 | 6.125% | $6,011 | #141 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,180 | 5.750% | — | 1 | −$831 | |
| 2 | $5,248 | 6.125% | — | 13 | −$763 | |
| 3 | $5,280 | 5.750% | — | 8 | −$731 | |
| 4 | $5,311 | 5.438% | — | 4 | −$700 | |
| 5 | $5,335 | 6.375% | — | 16 | −$676 | |
| 6 | $5,447 | 6.125% | — | 1 | −$564 | |
| 7 | $5,495 | 6.125% | — | 8 | −$516 | |
| 8 | $5,522 | 6.875% | — | 1 | −$489 | |
| 9 | $5,894 | 6.688% | — | 6 | −$117 | |
| 10 | $5,923 | 6.125% | — | 43 | −$88 | |
| 11 | $6,218 | 6.250% | — | 39 | +$207 | |
| 12 | $6,263 | 6.125% | — | 87 | +$252 | |
| 13 | $6,312 | 5.125% | — | 3 | +$301 | |
| 14 | $7,300 | 5.750% | — | 2 | +$1,289 | |
| 15 | $7,985 | 5.750% | — | 2 | +$1,974 | |
| 16 | $8,232 | 4.750% | — | 1 | +$2,221 | |
| 17 | $8,273 | 6.562% | — | 2 | +$2,262 | |
| 18 | $8,487 | 6.250% | — | 2 | +$2,476 | |
| 19 | $9,360 | 5.250% | — | 4 | +$3,349 | |
| 20 | $16,276 | 5.250% | — | 1 | +$10,265 |
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 | GTE Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $6,011 | $7,127 | −$1,116 (−15.7%) |
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.