Purchase Originations
169
Median Total Costs
$4,422
−33.8% vs national ($6,680)
↑ $110 vs prior year
Median Rate
5.990%
−7.7% vs national (6.490%)
↓ 0.385% vs prior year
Median Origination
$1,195
Median Lender Credits
$500
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 169 | 5.990% | $4,422 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 136 | 5.990% | $4,456 | #70 |
| New Hampshire | 33 | 5.990% | $4,245 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,016 | 5.990% | — | 11 | −$406 | |
| 2 | $4,083 | 5.990% | — | 13 | −$339 | |
| 3 | $4,244 | 5.995% | — | 18 | −$178 | |
| 4 | $4,378 | 5.990% | — | 71 | −$44 | |
| 5 | $4,452 | 5.990% | — | 24 | +$30 | |
| 6 | $4,518 | 5.990% | — | 11 | +$96 | |
| 7 | $4,526 | 5.870% | — | 2 | +$104 | |
| 8 | $4,607 | 5.620% | — | 2 | +$185 | |
| 9 | $4,662 | 5.990% | — | 13 | +$240 | |
| 10 | $4,663 | 5.990% | — | 1 | +$241 | |
| 11 | $4,833 | 5.625% | — | 1 | +$411 | |
| 12 | $4,913 | 5.500% | — | 1 | +$491 | |
| 13 | $5,063 | 5.750% | — | 1 | +$641 |
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 | Jeanne D'arc Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $4,422 | $7,127 | −$2,705 (−38.0%) |
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.