Purchase Originations
110
Median Total Costs
$4,517
−32.4% vs national ($6,680)
↓ $116 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,495
Median Lender Credits
$406
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 110 | 6.125% | $4,517 | $1,495 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,496 | 6.750% | — | 2 | −$1,021 | |
| 2 | $3,604 | 6.250% | — | 1 | −$913 | |
| 3 | $3,900 | 6.438% | — | 2 | −$617 | |
| 4 | $4,019 | 6.625% | — | 1 | −$498 | |
| 5 | $4,060 | 7.125% | — | 1 | −$457 | |
| 6 | $4,074 | 6.000% | — | 7 | −$443 | |
| 7 | $4,374 | 5.875% | — | 5 | −$143 | |
| 8 | $4,379 | 6.375% | — | 1 | −$138 | |
| 9 | $4,403 | 5.500% | — | 5 | −$114 | |
| 10 | $4,423 | 6.000% | — | 3 | −$94 | |
| 11 | $4,479 | 6.188% | — | 2 | −$38 | |
| 12 | $4,514 | 6.125% | — | 4 | −$3 | |
| 13 | $4,527 | 6.125% | — | 2 | +$10 | |
| 14 | $4,569 | 6.000% | — | 11 | +$52 | |
| 15 | $4,594 | 6.125% | — | 54 | +$77 | |
| 16 | $4,910 | 6.875% | — | 1 | +$393 | |
| 17 | $5,047 | 6.875% | — | 1 | +$530 | |
| 18 | $5,679 | 6.750% | — | 1 | +$1,162 | |
| 19 | $7,196 | 6.125% | — | 1 | +$2,679 | |
| 20 | $9,583 | 5.375% | — | 1 | +$5,066 |
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 Financial Credit Union Inc | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $4,517 | $7,127 | −$2,610 (−36.6%) |
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.