Purchase Originations
171
Median Total Costs
$4,118
−38.4% vs national ($6,680)
↑ $272 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,090
Median Lender Credits
$60
Denial Rate
14.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 161 | 6.375% | $4,074 | $1,090 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 165 | 6.375% | $4,118 | #58 |
| New Hampshire | 6 | 6.500% | $4,292 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,659 | 6.875% | — | 3 | −$459 | |
| 2 | $3,695 | 6.500% | — | 11 | −$423 | |
| 3 | $3,728 | 6.250% | — | 3 | −$390 | |
| 4 | $3,822 | 6.500% | — | 9 | −$296 | |
| 5 | $3,842 | 6.375% | — | 23 | −$276 | |
| 6 | $4,078 | 6.500% | — | 31 | −$40 | |
| 7 | $4,218 | 6.188% | — | 20 | +$100 | |
| 8 | $4,266 | 6.375% | — | 47 | +$148 | |
| 9 | $4,516 | 6.438% | — | 20 | +$398 | |
| 10 | $5,192 | 6.125% | — | 3 | +$1,074 | |
| 11 | $5,539 | 5.750% | — | 1 | +$1,421 |
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 | METRO Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $4,118 | $7,127 | −$3,009 (−42.2%) |
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.