Purchase Originations
460
Median Total Costs
$4,165
−37.6% vs national ($6,680)
↑ $381 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,098
Median Lender Credits
$1,000
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 418 | 6.625% | $3,930 | $2,187 |
| fha | 40 | 6.500% | $7,163 | $1,280 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 406 | 6.625% | $3,990 | #45 |
| Michigan | 24 | 6.625% | $4,940 | — |
| Arizona | 9 | 6.625% | $7,033 | — |
| Illinois | 4 | 6.625% | $6,419 | — |
| California | 3 | 6.375% | $9,219 | — |
| Missouri | 2 | 6.562% | $3,860 | — |
| Ohio | 2 | 6.375% | $5,210 | — |
| Texas | 2 | 6.812% | $6,600 | — |
| Colorado | 1 | 6.375% | $6,294 | — |
| Delaware | 1 | 6.500% | $2,870 | — |
| Florida | 1 | 6.625% | $5,736 | — |
| Minnesota | 1 | 6.625% | $8,800 | — |
| Nevada | 1 | 6.500% | $6,905 | — |
| South Carolina | 1 | 6.750% | $2,643 | — |
| Tennessee | 1 | 7.125% | $4,156 | — |
| Washington | 1 | 5.750% | $12,016 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,793 | 6.875% | — | 7 | −$1,372 | |
| 2 | $2,870 | 6.500% | — | 1 | −$1,295 | |
| 3 | $3,452 | 6.875% | — | 2 | −$713 | |
| 4 | $3,745 | 6.625% | — | 249 | −$420 | |
| 5 | $3,860 | 6.562% | — | 2 | −$305 | |
| 6 | $3,898 | 6.875% | — | 12 | −$267 | |
| 7 | $3,925 | 6.750% | — | 4 | −$240 | |
| 8 | $4,140 | 6.750% | — | 11 | −$25 | |
| 9 | $4,373 | 6.625% | — | 106 | +$208 | |
| 10 | $4,647 | 6.500% | — | 9 | +$482 | |
| 11 | $4,940 | 6.750% | — | 10 | +$775 | |
| 12 | $5,736 | 6.625% | — | 1 | +$1,571 | |
| 13 | $6,037 | 6.875% | — | 2 | +$1,872 | |
| 14 | $6,292 | 6.438% | — | 2 | +$2,127 | |
| 15 | $6,294 | 6.375% | — | 1 | +$2,129 | |
| 16 | $6,363 | 6.625% | — | 11 | +$2,198 | |
| 17 | $7,930 | 6.625% | — | 6 | +$3,765 | |
| 18 | $8,252 | 5.375% | — | 1 | +$4,087 | |
| 19 | $9,219 | 6.375% | — | 1 | +$5,054 | |
| 20 | $10,686 | 6.375% | — | 1 | +$6,521 |
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 | Notre Dame Federal Credit Union Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $220,000 | $335,000 | −$115,000 (−34.3%) |
| Median total closing costs | $4,165 | $7,127 | −$2,962 (−41.6%) |
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.