Purchase Originations
171
Median Total Costs
$5,550
−16.9% vs national ($6,680)
↑ $111 vs prior year
Median Rate
8.630%
+33.0% vs national (6.490%)
↓ 0.600% vs prior year
Median Origination
$3,675
Median Lender Credits
$87
Denial Rate
34.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 171 | 8.630% | $5,550 | $3,675 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,587 | 6.700% | — | 4 | −$2,963 | |
| 2 | $2,607 | 7.750% | — | 3 | −$2,943 | |
| 3 | $2,666 | 9.630% | — | 5 | −$2,884 | |
| 4 | $3,630 | 10.130% | — | 3 | −$1,920 | |
| 5 | $3,874 | 8.630% | — | 13 | −$1,676 | |
| 6 | $4,534 | 10.130% | — | 8 | −$1,016 | |
| 7 | $5,550 | 9.630% | — | 3 | +$0 | |
| 8 | $5,620 | 10.605% | — | 4 | +$70 | |
| 9 | $5,662 | 7.730% | — | 7 | +$112 | |
| 10 | $5,814 | 8.730% | — | 19 | +$264 | |
| 11 | $5,834 | 9.630% | — | 3 | +$284 | |
| 12 | $6,045 | 9.130% | — | 3 | +$495 | |
| 13 | $6,070 | 8.730% | — | 5 | +$520 | |
| 14 | $6,248 | 8.730% | — | 7 | +$698 | |
| 15 | $6,509 | 8.430% | — | 4 | +$959 | |
| 16 | $6,764 | 8.680% | — | 10 | +$1,214 | |
| 17 | $7,044 | 8.480% | — | 4 | +$1,494 | |
| 18 | $7,058 | 8.730% | — | 3 | +$1,508 | |
| 19 | $7,844 | 8.480% | — | 3 | +$2,294 | |
| 20 | $9,130 | 8.480% | — | 4 | +$3,580 |
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 | Marine Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $5,550 | $7,127 | −$1,577 (−22.1%) |
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.