Purchase Originations
141
Median Total Costs
$4,073
−39.0% vs national ($6,680)
↑ $216 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$1,500
Median Lender Credits
$2,000
Denial Rate
7.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 126 | 6.500% | $4,120 | $1,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 130 | 6.500% | $4,150 | #107 |
| North Carolina | 8 | 6.562% | $2,910 | — |
| Maryland | 3 | 6.625% | $4,703 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,410 | 6.500% | — | 3 | −$1,663 | |
| 2 | $3,123 | 6.375% | — | 2 | −$950 | |
| 3 | $3,464 | 6.375% | — | 29 | −$609 | |
| 4 | $3,583 | 6.375% | — | 20 | −$490 | |
| 5 | $3,800 | 6.312% | — | 4 | −$273 | |
| 6 | $3,855 | 6.500% | — | 6 | −$218 | |
| 7 | $3,881 | 6.625% | — | 1 | −$192 | |
| 8 | $3,964 | 6.375% | — | 8 | −$109 | |
| 9 | $4,005 | 6.562% | — | 10 | −$68 | |
| 10 | $4,101 | 5.875% | — | 1 | +$28 | |
| 11 | $4,194 | 5.875% | — | 9 | +$121 | |
| 12 | $4,264 | 6.500% | — | 3 | +$191 | |
| 13 | $4,310 | 6.062% | — | 2 | +$237 | |
| 14 | $4,374 | 6.438% | — | 10 | +$301 | |
| 15 | $4,385 | 6.500% | — | 3 | +$312 | |
| 16 | $4,703 | 6.625% | — | 1 | +$630 | |
| 17 | $4,872 | 6.125% | — | 2 | +$799 | |
| 18 | $5,117 | 6.500% | — | 3 | +$1,044 | |
| 19 | $5,417 | 6.562% | — | 2 | +$1,344 | |
| 20 | $6,949 | 6.500% | — | 5 | +$2,876 |
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 | Langley Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,073 | $7,127 | −$3,054 (−42.9%) |
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.