Purchase Originations
439
Median Total Costs
$6,952
+4.1% vs national ($6,680)
↑ $243 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$1,050
Median Lender Credits
$7,056
Denial Rate
1.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 439 | 5.875% | $6,952 | $1,050 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 439 | 5.875% | $6,952 | #85 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,298 | 6.250% | — | 3 | −$1,654 | |
| 2 | $6,956 | 5.875% | — | 435 | +$4 | |
| 3 | $8,367 | 6.250% | — | 1 | +$1,415 |
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 | Mission Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $815,000 | $335,000 | +$480,000 (+143.3%) |
| Median total closing costs | $6,952 | $7,127 | −$175 (−2.5%) |
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.