Mountain America Federal Credit Union closing costs and rates (2024)
In 2024, Mountain America Federal Credit Union originated 1,322 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $8,517. That ranks #298 nationally by origination volume. For total closing costs among lenders with 500+ originations, Mountain America Federal Credit Union ranks #473. That is $1,776 above the national median of $6,741. Mountain America Federal Credit Union is most active in Utah with 863 originations there.
Purchase Originations
1,322
Ranked #298 nationally
Median Total Costs
$8,517
+26.4% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$5,160
Median Lender Credits
$150
Cost Rank (500+ vol.)
#473
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,107 | 6.625% | $8,062 | $5,486 |
| fha | 174 | 5.625% | $12,777 | $4,434 |
| va | 37 | 5.625% | $7,142 | $3,977 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 863 | 6.500% | $8,551 | #9 |
| Idaho | 174 | 6.250% | $7,701 | #30 |
| Arizona | 121 | 6.750% | $9,560 | #87 |
| Nevada | 67 | 7.000% | $8,970 | #84 |
| New Mexico | 30 | 6.312% | $6,509 | — |
| Colorado | 21 | 6.490% | $6,575 | — |
| Montana | 16 | 6.125% | $5,078 | — |
| Washington | 13 | 6.625% | $9,468 | — |
| Oregon | 10 | 6.874% | $10,194 | — |
| Wyoming | 7 | 5.875% | $8,240 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,370 | 6.000% | — | 19 | −$3,147 | |
| 2 | $6,421 | 6.438% | — | 20 | −$2,096 | |
| 3 | $6,978 | 6.125% | — | 25 | −$1,539 | |
| 4 | $7,281 | 6.375% | — | 66 | −$1,236 | |
| 5 | $7,516 | 6.624% | — | 30 | −$1,001 | |
| 6 | $7,849 | 6.312% | — | 56 | −$668 | |
| 7 | $7,863 | 6.125% | — | 42 | −$654 | |
| 8 | $8,080 | 6.375% | — | 43 | −$437 | |
| 9 | $8,286 | 6.250% | — | 18 | −$231 | |
| 10 | $8,402 | 6.375% | — | 55 | −$115 | |
| 11 | $8,545 | 7.000% | — | 31 | +$28 | |
| 12 | $8,548 | 6.562% | — | 46 | +$31 | |
| 13 | $8,688 | 6.938% | — | 14 | +$171 | |
| 14 | $8,801 | 7.000% | — | 53 | +$284 | |
| 15 | $8,889 | 6.500% | — | 145 | +$372 | |
| 16 | $8,963 | 6.500% | — | 256 | +$446 | |
| 17 | $9,228 | 6.625% | — | 75 | +$711 | |
| 18 | $9,666 | 7.000% | — | 36 | +$1,149 | |
| 19 | $10,102 | 7.000% | — | 24 | +$1,585 | |
| 20 | $12,508 | 6.750% | — | 17 | +$3,991 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.