Purchase Originations
543
Ranked #599 nationally
Median Total Costs
$3,654
−45.3% vs national ($6,680)
↑ $34 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$695
Median Lender Credits
$70
Cost Rank (500+ vol.)
#79
among lenders with 500+ originations
Denial Rate
1.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 543 | 6.500% | $3,654 | $695 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Rhode Island | 453 | 6.500% | $3,595 | #2 |
| Massachusetts | 58 | 6.500% | $4,224 | #127 |
| Connecticut | 21 | 6.500% | $3,776 | — |
| Florida | 4 | 6.312% | $4,058 | — |
| New Hampshire | 3 | 6.250% | $3,250 | — |
| South Carolina | 2 | 6.500% | $4,474 | — |
| Maine | 1 | 6.875% | $3,040 | — |
| New Jersey | 1 | 6.625% | $3,516 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,040 | 6.875% | — | 1 | −$614 | |
| 2 | $3,368 | 6.250% | — | 2 | −$286 | |
| 3 | $3,478 | 6.500% | — | 16 | −$176 | |
| 4 | $3,567 | 6.500% | — | 327 | −$87 | |
| 5 | $3,584 | 6.500% | — | 71 | −$70 | |
| 6 | $3,699 | 7.250% | — | 1 | +$45 | |
| 7 | $3,733 | 6.375% | — | 1 | +$79 | |
| 8 | $3,741 | 6.375% | — | 3 | +$87 | |
| 9 | $3,767 | 6.500% | — | 1 | +$113 | |
| 10 | $3,814 | 6.500% | — | 16 | +$160 | |
| 11 | $3,912 | 6.500% | — | 1 | +$258 | |
| 12 | $3,936 | 6.375% | — | 8 | +$282 | |
| 13 | $4,017 | 6.625% | — | 11 | +$363 | |
| 14 | $4,160 | 6.562% | — | 32 | +$506 | |
| 15 | $4,173 | 6.438% | — | 6 | +$519 | |
| 16 | $4,320 | 6.500% | — | 7 | +$666 | |
| 17 | $4,362 | 6.500% | — | 31 | +$708 | |
| 18 | $4,382 | 6.250% | — | 1 | +$728 | |
| 19 | $4,531 | 6.875% | — | 1 | +$877 | |
| 20 | $5,048 | 6.375% | — | 2 | +$1,394 |
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 | Navigant Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $3,654 | $7,127 | −$3,473 (−48.7%) |
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.