Purchase Originations
181
Median Total Costs
$4,308
−35.5% vs national ($6,680)
↓ $634 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,290
Median Lender Credits
$183
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 165 | 6.490% | $4,301 | $1,290 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,041 | 6.250% | — | 17 | −$267 | |
| 2 | $4,155 | 6.375% | — | 26 | −$153 | |
| 3 | $4,181 | 6.750% | — | 1 | −$127 | |
| 4 | $4,305 | 6.500% | — | 45 | −$3 | |
| 5 | $4,309 | 6.625% | — | 1 | +$1 | |
| 6 | $4,354 | 6.375% | — | 63 | +$46 | |
| 7 | $4,672 | 6.500% | — | 3 | +$364 | |
| 8 | $4,836 | 6.433% | — | 22 | +$528 | |
| 9 | $5,507 | 5.938% | — | 2 | +$1,199 | |
| 10 | $8,804 | 5.875% | — | 1 | +$4,496 |
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 | Northern Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $4,308 | $7,127 | −$2,819 (−39.6%) |
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.