Purchase Originations
2,620
Ranked #176 nationally
Median Total Costs
$6,268
−6.2% vs national ($6,680)
↓ $240 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$2,098
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#303
among lenders with 500+ originations
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,218 | 6.125% | $5,543 | $1,751 |
| fha | 280 | 5.990% | $12,678 | $3,728 |
| va | 116 | 5.990% | $8,745 | $2,161 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,331 | 6.250% | — | 42 | −$2,937 | |
| 2 | $4,536 | 6.250% | — | 18 | −$1,732 | |
| 3 | $4,560 | 6.500% | — | 24 | −$1,708 | |
| 4 | $4,593 | 6.375% | — | 17 | −$1,675 | |
| 5 | $4,665 | 6.250% | — | 23 | −$1,603 | |
| 6 | $5,121 | 6.125% | — | 773 | −$1,147 | |
| 7 | $6,046 | 6.250% | — | 143 | −$222 | |
| 8 | $6,532 | 6.125% | — | 269 | +$264 | |
| 9 | $6,936 | 6.215% | — | 233 | +$668 | |
| 10 | $7,178 | 6.000% | — | 186 | +$910 | |
| 11 | $7,568 | 5.995% | — | 30 | +$1,300 | |
| 12 | $7,670 | 6.124% | — | 68 | +$1,402 | |
| 13 | $7,686 | 6.125% | — | 175 | +$1,418 | |
| 14 | $7,695 | 6.000% | — | 44 | +$1,427 | |
| 15 | $7,902 | 5.875% | — | 159 | +$1,634 | |
| 16 | $7,987 | 5.995% | — | 36 | +$1,719 | |
| 17 | $8,015 | 6.125% | — | 56 | +$1,747 | |
| 18 | $8,135 | 6.188% | — | 18 | +$1,867 | |
| 19 | $8,156 | 6.125% | — | 45 | +$1,888 | |
| 20 | $10,294 | 6.000% | — | 49 | +$4,026 |
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 | Idaho Central Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $6,268 | $7,127 | −$859 (−12.1%) |
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.