Purchase Originations
725
Ranked #492 nationally
Median Total Costs
$1,714
−74.3% vs national ($6,680)
↓ $1,912 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$0
Median Lender Credits
$450
Cost Rank (500+ vol.)
#8
among lenders with 500+ originations
Denial Rate
10.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 392 | 6.624% | $0 | $0 |
| fha | 218 | 6.500% | $3,571 | $0 |
| usda | 72 | 6.500% | $2,501 | $0 |
| va | 43 | 6.250% | $75 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 693 | 6.500% | $1,742 | #27 |
| Mississippi | 13 | 6.490% | $500 | — |
| Arkansas | 5 | 6.375% | $2,239 | — |
| Kentucky | 4 | 6.438% | $0 | — |
| Alabama | 2 | 6.750% | $2,649 | — |
| Florida | 2 | 6.750% | $0 | — |
| Georgia | 1 | 6.624% | $2,842 | — |
| Ohio | 1 | 5.875% | $0 | — |
| Oklahoma | 1 | 7.250% | $4,985 | — |
| South Carolina | 1 | 6.125% | $3,664 | — |
| Texas | 1 | 6.624% | $0 | — |
| West Virginia | 1 | 6.375% | $1,165 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.490% | — | 19 | −$1,714 | |
| 2 | $0 | 6.500% | — | 13 | −$1,714 | |
| 3 | $0 | 6.624% | — | 11 | −$1,714 | |
| 4 | $0 | 6.625% | — | 10 | −$1,714 | |
| 5 | $0 | 6.375% | — | 5 | −$1,714 | |
| 6 | $0 | 6.750% | — | 5 | −$1,714 | |
| 7 | $0 | 6.625% | — | 3 | −$1,714 | |
| 8 | $502 | 6.125% | — | 18 | −$1,212 | |
| 9 | $625 | 6.624% | — | 185 | −$1,089 | |
| 10 | $900 | 6.624% | — | 109 | −$814 | |
| 11 | $1,313 | 6.500% | — | 64 | −$401 | |
| 12 | $1,404 | 6.490% | — | 9 | −$310 | |
| 13 | $1,596 | 6.375% | — | 4 | −$118 | |
| 14 | $1,790 | 6.375% | — | 12 | +$76 | |
| 15 | $1,998 | 6.500% | — | 98 | +$284 | |
| 16 | $2,399 | 6.625% | — | 27 | +$685 | |
| 17 | $2,538 | 6.625% | — | 41 | +$824 | |
| 18 | $2,799 | 6.490% | — | 7 | +$1,085 | |
| 19 | $3,386 | 6.250% | — | 51 | +$1,672 | |
| 20 | $6,481 | 5.933% | — | 2 | +$4,767 |
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 | Leaders Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $1,714 | $7,127 | −$5,413 (−76.0%) |
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.