Purchase Originations
199
Median Total Costs
$2,364
−64.6% vs national ($6,680)
↑ $43 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$825
Median Lender Credits
$413
Denial Rate
12.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 199 | 6.750% | $2,364 | $825 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,990 | 6.375% | — | 1 | −$374 | |
| 2 | $2,096 | 6.375% | — | 1 | −$268 | |
| 3 | $2,164 | 6.125% | — | 9 | −$200 | |
| 4 | $2,297 | 6.812% | — | 10 | −$67 | |
| 5 | $2,320 | 6.750% | — | 31 | −$44 | |
| 6 | $2,342 | 6.750% | — | 105 | −$22 | |
| 7 | $2,416 | 6.625% | — | 15 | +$52 | |
| 8 | $2,478 | 6.625% | — | 9 | +$114 | |
| 9 | $2,597 | 6.000% | — | 1 | +$233 | |
| 10 | $2,774 | 6.500% | — | 1 | +$410 | |
| 11 | $2,899 | 6.625% | — | 6 | +$535 | |
| 12 | $2,941 | 6.812% | — | 6 | +$577 | |
| 13 | $3,972 | 6.500% | — | 2 | +$1,608 | |
| 14 | $4,327 | 6.500% | — | 1 | +$1,963 | |
| 15 | $6,844 | 7.500% | — | 1 | +$4,480 |
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 | Interra Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $2,364 | $7,127 | −$4,763 (−66.8%) |
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.