Purchase Originations
395
Median Total Costs
$2,104
−68.5% vs national ($6,680)
↓ $9 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$675
Median Lender Credits
$35
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 395 | 6.125% | $2,104 | $675 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,100 | 6.125% | — | 3 | −$1,004 | |
| 2 | $1,869 | 6.875% | — | 1 | −$235 | |
| 3 | $1,890 | 5.750% | — | 1 | −$214 | |
| 4 | $2,064 | 6.125% | — | 9 | −$40 | |
| 5 | $2,065 | 6.250% | — | 22 | −$39 | |
| 6 | $2,065 | 6.188% | — | 12 | −$39 | |
| 7 | $2,082 | 6.125% | — | 136 | −$22 | |
| 8 | $2,097 | 6.125% | — | 122 | −$7 | |
| 9 | $2,148 | 6.125% | — | 41 | +$44 | |
| 10 | $2,185 | 6.500% | — | 3 | +$81 | |
| 11 | $2,266 | 6.312% | — | 6 | +$162 | |
| 12 | $2,280 | 5.875% | — | 1 | +$176 | |
| 13 | $2,290 | 5.875% | — | 4 | +$186 | |
| 14 | $2,392 | 6.000% | — | 8 | +$288 | |
| 15 | $2,459 | 5.688% | — | 2 | +$355 | |
| 16 | $2,475 | 6.125% | — | 7 | +$371 | |
| 17 | $2,601 | 6.375% | — | 2 | +$497 | |
| 18 | $3,536 | 5.875% | — | 1 | +$1,432 | |
| 19 | $4,196 | 5.938% | — | 2 | +$2,092 | |
| 20 | $5,377 | 6.000% | — | 1 | +$3,273 |
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 | I. H. Mississippi Valley Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $2,104 | $7,127 | −$5,023 (−70.5%) |
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.