Purchase Originations
404
Median Total Costs
$3,162
−52.7% vs national ($6,680)
↑ $186 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$950
Median Lender Credits
$400
Denial Rate
4.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 388 | 6.250% | $3,129 | $950 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,600 | 7.125% | — | 5 | −$562 | |
| 2 | $2,826 | 6.500% | — | 49 | −$336 | |
| 3 | $2,863 | 6.500% | — | 23 | −$299 | |
| 4 | $2,907 | 5.750% | — | 2 | −$255 | |
| 5 | $2,908 | 6.750% | — | 2 | −$254 | |
| 6 | $2,931 | 6.312% | — | 2 | −$231 | |
| 7 | $2,956 | 6.625% | — | 3 | −$206 | |
| 8 | $3,034 | 5.750% | — | 5 | −$128 | |
| 9 | $3,046 | 6.250% | — | 41 | −$116 | |
| 10 | $3,106 | 5.938% | — | 2 | −$56 | |
| 11 | $3,114 | 5.750% | — | 7 | −$48 | |
| 12 | $3,132 | 6.750% | — | 2 | −$30 | |
| 13 | $3,201 | 6.375% | — | 37 | +$39 | |
| 14 | $3,270 | 6.625% | — | 9 | +$108 | |
| 15 | $3,276 | 5.750% | — | 1 | +$114 | |
| 16 | $3,278 | 6.125% | — | 9 | +$116 | |
| 17 | $3,290 | 6.000% | — | 154 | +$128 | |
| 18 | $3,296 | 6.562% | — | 22 | +$134 | |
| 19 | $3,769 | 5.750% | — | 3 | +$607 | |
| 20 | $6,064 | 6.000% | — | 3 | +$2,902 |
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 | Honor Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,162 | $7,127 | −$3,965 (−55.6%) |
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.