Purchase Originations
131
Median Total Costs
$3,678
−44.9% vs national ($6,680)
↑ $229 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,345
Median Lender Credits
$100
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 131 | 6.250% | $3,678 | $1,345 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,340 | 4.500% | — | 1 | −$1,338 | |
| 2 | $2,699 | 6.625% | — | 1 | −$979 | |
| 3 | $2,932 | 6.250% | — | 1 | −$746 | |
| 4 | $2,961 | 6.500% | — | 1 | −$717 | |
| 5 | $3,216 | 5.375% | — | 2 | −$462 | |
| 6 | $3,221 | 6.875% | — | 1 | −$457 | |
| 7 | $3,354 | 6.625% | — | 1 | −$324 | |
| 8 | $3,420 | 6.250% | — | 5 | −$258 | |
| 9 | $3,520 | 6.250% | — | 6 | −$158 | |
| 10 | $3,540 | 6.562% | — | 2 | −$138 | |
| 11 | $3,683 | 6.125% | — | 10 | +$5 | |
| 12 | $3,696 | 6.250% | — | 1 | +$18 | |
| 13 | $3,709 | 6.125% | — | 14 | +$31 | |
| 14 | $3,749 | 6.750% | — | 1 | +$71 | |
| 15 | $3,755 | 6.125% | — | 67 | +$77 | |
| 16 | $3,810 | 6.250% | — | 7 | +$132 | |
| 17 | $4,395 | 6.250% | — | 1 | +$717 | |
| 18 | $5,257 | 6.750% | — | 1 | +$1,579 | |
| 19 | $8,518 | 6.750% | — | 1 | +$4,840 | |
| 20 | $9,575 | 5.750% | — | 1 | +$5,897 |
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 | KEMBA Credit Union, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $3,678 | $7,127 | −$3,449 (−48.4%) |
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.