Purchase Originations
1,332
Ranked #305 nationally
Median Total Costs
$8,439
+26.3% vs national ($6,680)
↓ $78 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$4,923
Median Lender Credits
$150
Cost Rank (500+ vol.)
#469
among lenders with 500+ originations
Denial Rate
13.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,091 | 6.490% | $7,989 | $5,085 |
| fha | 194 | 5.750% | $12,709 | $4,372 |
| va | 43 | 5.750% | $7,669 | $3,900 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 885 | 6.250% | $8,126 | #11 |
| Idaho | 172 | 6.375% | $8,205 | #33 |
| Arizona | 134 | 6.875% | $9,819 | #87 |
| Nevada | 77 | 6.750% | $9,041 | #72 |
| Montana | 24 | 6.438% | $8,572 | — |
| Colorado | 17 | 7.000% | $9,716 | — |
| Wyoming | 8 | 6.375% | $6,150 | — |
| Oregon | 7 | 6.490% | $8,090 | — |
| Washington | 5 | 5.990% | $9,067 | — |
| New Mexico | 3 | 5.990% | $4,984 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,595 | 6.375% | — | 21 | −$1,844 | |
| 2 | $7,140 | 6.250% | — | 25 | −$1,299 | |
| 3 | $7,207 | 6.250% | — | 13 | −$1,232 | |
| 4 | $7,555 | 6.250% | — | 66 | −$884 | |
| 5 | $7,760 | 5.875% | — | 58 | −$679 | |
| 6 | $7,772 | 6.250% | — | 56 | −$667 | |
| 7 | $8,007 | 6.250% | — | 39 | −$432 | |
| 8 | $8,012 | 5.995% | — | 16 | −$427 | |
| 9 | $8,126 | 6.250% | — | 159 | −$313 | |
| 10 | $8,182 | 5.933% | — | 12 | −$257 | |
| 11 | $8,363 | 6.625% | — | 39 | −$76 | |
| 12 | $8,426 | 6.490% | — | 39 | −$13 | |
| 13 | $8,528 | 6.375% | — | 37 | +$89 | |
| 14 | $8,620 | 6.125% | — | 17 | +$181 | |
| 15 | $8,633 | 6.250% | — | 258 | +$194 | |
| 16 | $8,744 | 6.125% | — | 86 | +$305 | |
| 17 | $8,805 | 6.875% | — | 56 | +$366 | |
| 18 | $9,264 | 6.687% | — | 12 | +$825 | |
| 19 | $9,278 | 6.875% | — | 29 | +$839 | |
| 20 | $9,841 | 6.875% | — | 74 | +$1,402 |
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 | Mountain America Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $8,439 | $7,127 | +$1,312 (+18.4%) |
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.