Purchase Originations
248
Median Total Costs
$4,856
−27.3% vs national ($6,680)
↑ $336 vs prior year
Median Rate
7.500%
+15.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,451
Median Lender Credits
$45
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 248 | 7.500% | $4,856 | $2,451 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 241 | 7.500% | $4,881 | #97 |
| South Carolina | 5 | 7.250% | $3,968 | — |
| Virginia | 2 | 7.750% | $4,076 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,269 | 7.750% | — | 4 | −$587 | |
| 2 | $4,285 | 7.750% | — | 25 | −$571 | |
| 3 | $4,353 | 7.500% | — | 28 | −$503 | |
| 4 | $4,420 | 7.500% | — | 5 | −$436 | |
| 5 | $4,562 | 7.562% | — | 4 | −$294 | |
| 6 | $4,574 | 7.625% | — | 8 | −$282 | |
| 7 | $4,584 | 7.625% | — | 8 | −$272 | |
| 8 | $4,646 | 7.500% | — | 5 | −$210 | |
| 9 | $4,717 | 7.750% | — | 13 | −$139 | |
| 10 | $4,816 | 7.375% | — | 11 | −$40 | |
| 11 | $4,865 | 7.750% | — | 9 | +$9 | |
| 12 | $5,139 | 7.438% | — | 4 | +$283 | |
| 13 | $5,268 | 7.750% | — | 17 | +$412 | |
| 14 | $5,303 | 7.750% | — | 5 | +$447 | |
| 15 | $5,436 | 7.750% | — | 23 | +$580 | |
| 16 | $5,439 | 7.500% | — | 12 | +$583 | |
| 17 | $5,559 | 7.375% | — | 20 | +$703 | |
| 18 | $5,569 | 7.750% | — | 5 | +$713 | |
| 19 | $5,884 | 7.812% | — | 4 | +$1,028 | |
| 20 | $6,135 | 7.375% | — | 2 | +$1,279 |
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 | Latino Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $4,856 | $7,127 | −$2,271 (−31.9%) |
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.