I. H. MISSISSIPPI VALLEY CREDIT UNION closing costs and rates (2024)
In 2024, I. H. MISSISSIPPI VALLEY CREDIT UNION originated 398 purchase mortgages at a median interest rate of 6.12% and median total closing costs of $2,113. That is $4,628 below the national median of $6,741. I. H. MISSISSIPPI VALLEY CREDIT UNION is most active in Illinois with 251 originations there.
Purchase Originations
398
Median Total Costs
$2,113
−68.7% vs national ($6,741)
Median Rate
6.125%
−7.5% vs national (6.620%)
Median Origination
$675
Median Lender Credits
$158
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 398 | 6.125% | $2,113 | $675 |
Active states
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,410 | 6.375% | — | 5 | −$703 | |
| 2 | $1,985 | 6.125% | — | 19 | −$128 | |
| 3 | $2,008 | 6.250% | — | 1 | −$105 | |
| 4 | $2,055 | 6.125% | — | 4 | −$58 | |
| 5 | $2,056 | 6.250% | — | 8 | −$57 | |
| 6 | $2,109 | 6.125% | — | 114 | −$4 | |
| 7 | $2,113 | 6.125% | — | 161 | +$0 | |
| 8 | $2,113 | 6.250% | — | 38 | +$0 | |
| 9 | $2,115 | 6.125% | — | 1 | +$2 | |
| 10 | $2,205 | 6.375% | — | 5 | +$92 | |
| 11 | $2,348 | 6.125% | — | 5 | +$235 | |
| 12 | $2,573 | 7.750% | — | 1 | +$460 | |
| 13 | $2,583 | 6.375% | — | 1 | +$470 | |
| 14 | $2,807 | 6.250% | — | 1 | +$694 | |
| 15 | $2,922 | 6.062% | — | 6 | +$809 | |
| 16 | $3,032 | 5.938% | — | 6 | +$919 | |
| 17 | $3,175 | 5.938% | — | 2 | +$1,062 | |
| 18 | $4,211 | 6.125% | — | 2 | +$2,098 | |
| 19 | $5,146 | 6.125% | — | 3 | +$3,033 | |
| 20 | $6,332 | 6.312% | — | 2 | +$4,219 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.