Purchase Originations
202
Median Total Costs
$2,691
−59.7% vs national ($6,680)
↑ $146 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$649
Median Lender Credits
$35
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 202 | 6.625% | $2,691 | $649 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,182 | 4.890% | — | 1 | −$509 | |
| 2 | $2,424 | 6.750% | — | 1 | −$267 | |
| 3 | $2,555 | 6.625% | — | 13 | −$136 | |
| 4 | $2,595 | 6.750% | — | 1 | −$96 | |
| 5 | $2,622 | 6.625% | — | 91 | −$69 | |
| 6 | $2,680 | 4.990% | — | 1 | −$11 | |
| 7 | $2,690 | 6.875% | — | 1 | −$1 | |
| 8 | $2,691 | 6.625% | — | 53 | +$0 | |
| 9 | $2,719 | 6.875% | — | 7 | +$28 | |
| 10 | $2,754 | 6.500% | — | 1 | +$63 | |
| 11 | $2,839 | 6.625% | — | 11 | +$148 | |
| 12 | $2,917 | 6.375% | — | 8 | +$226 | |
| 13 | $3,038 | 5.750% | — | 1 | +$347 | |
| 14 | $3,043 | 6.000% | — | 1 | +$352 | |
| 15 | $3,131 | 6.250% | — | 7 | +$440 | |
| 16 | $3,145 | 6.500% | — | 1 | +$454 | |
| 17 | $3,575 | 7.375% | — | 1 | +$884 | |
| 18 | $4,308 | 6.875% | — | 2 | +$1,617 |
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 | Heritage Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $2,691 | $7,127 | −$4,436 (−62.2%) |
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.