Purchase Originations
134
Median Total Costs
$4,211
−37.0% vs national ($6,680)
↑ $164 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.312% vs prior year
Median Origination
$750
Median Lender Credits
$728
Denial Rate
9.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 129 | 6.375% | $4,121 | $750 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 75 | 6.500% | $4,121 | #149 |
| Florida | 11 | 5.875% | $5,505 | — |
| Maryland | 6 | 6.500% | $5,424 | — |
| North Carolina | 6 | 5.938% | $3,306 | — |
| South Carolina | 6 | 6.438% | $4,193 | — |
| Illinois | 5 | 6.000% | $5,711 | — |
| Texas | 4 | 6.625% | $4,044 | — |
| District of Columbia | 3 | 6.875% | $3,954 | — |
| Pennsylvania | 3 | 6.875% | $4,266 | — |
| Colorado | 2 | 6.438% | $3,272 | — |
| Arkansas | 1 | 6.750% | $3,067 | — |
| Connecticut | 1 | 7.000% | $3,810 | — |
| Iowa | 1 | 5.250% | $3,017 | — |
| Idaho | 1 | 6.625% | $5,288 | — |
| Indiana | 1 | 6.625% | $3,294 | — |
| Kansas | 1 | 6.875% | $3,150 | — |
| Massachusetts | 1 | 5.875% | $5,400 | — |
| Maine | 1 | 6.000% | $5,784 | — |
| New Jersey | 1 | 5.125% | $5,346 | — |
| New York | 1 | 7.000% | $5,697 | — |
| Oklahoma | 1 | 6.625% | $5,356 | — |
| Tennessee | 1 | 6.000% | $3,451 | — |
| West Virginia | 1 | 6.125% | $4,457 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,027 | 5.875% | — | 2 | −$1,184 | |
| 2 | $3,220 | 6.500% | — | 2 | −$991 | |
| 3 | $3,254 | 7.062% | — | 2 | −$957 | |
| 4 | $3,272 | 6.438% | — | 2 | −$939 | |
| 5 | $3,405 | 6.500% | — | 3 | −$806 | |
| 6 | $3,604 | 7.000% | — | 3 | −$607 | |
| 7 | $3,800 | 6.000% | — | 3 | −$411 | |
| 8 | $3,853 | 6.562% | — | 4 | −$358 | |
| 9 | $3,914 | 6.500% | — | 3 | −$297 | |
| 10 | $3,954 | 6.875% | — | 3 | −$257 | |
| 11 | $4,184 | 6.250% | — | 22 | −$27 | |
| 12 | $4,306 | 7.000% | — | 2 | +$95 | |
| 13 | $4,626 | 6.750% | — | 8 | +$415 | |
| 14 | $5,003 | 6.188% | — | 14 | +$792 | |
| 15 | $5,838 | 5.938% | — | 4 | +$1,627 | |
| 16 | $5,854 | 5.938% | — | 2 | +$1,643 | |
| 17 | $7,763 | 6.438% | — | 2 | +$3,552 | |
| 18 | $7,940 | 6.250% | — | 2 | +$3,729 | |
| 19 | $8,019 | 6.562% | — | 2 | +$3,808 | |
| 20 | $21,844 | 6.812% | — | 2 | +$17,633 |
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 | Northwest Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $350,000 | $335,000 | +$15,000 (+4.5%) |
| Median total closing costs | $4,211 | $7,127 | −$2,916 (−40.9%) |
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.