Purchase Originations
164
Median Total Costs
$5,292
−20.8% vs national ($6,680)
↑ $148 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,395
Median Lender Credits
$262
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 163 | 6.625% | $5,290 | $1,395 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,242 | 6.875% | — | 1 | −$3,050 | |
| 2 | $2,582 | 6.500% | — | 1 | −$2,710 | |
| 3 | $3,018 | 6.625% | — | 4 | −$2,274 | |
| 4 | $3,076 | 6.000% | — | 1 | −$2,216 | |
| 5 | $3,134 | 6.562% | — | 6 | −$2,158 | |
| 6 | $3,306 | 6.625% | — | 5 | −$1,986 | |
| 7 | $3,340 | 6.500% | — | 1 | −$1,952 | |
| 8 | $3,390 | 6.812% | — | 4 | −$1,902 | |
| 9 | $4,070 | 6.375% | — | 1 | −$1,222 | |
| 10 | $4,141 | 6.750% | — | 1 | −$1,151 | |
| 11 | $4,302 | 6.375% | — | 1 | −$990 | |
| 12 | $4,393 | 6.125% | — | 1 | −$899 | |
| 13 | $5,196 | 6.500% | — | 1 | −$96 | |
| 14 | $5,269 | 6.500% | — | 8 | −$23 | |
| 15 | $5,310 | 6.750% | — | 4 | +$18 | |
| 16 | $5,328 | 6.625% | — | 2 | +$36 | |
| 17 | $5,330 | 6.562% | — | 10 | +$38 | |
| 18 | $5,374 | 6.625% | — | 5 | +$82 | |
| 19 | $5,383 | 6.625% | — | 47 | +$91 | |
| 20 | $5,396 | 6.500% | — | 49 | +$104 |
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 | Numark Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $5,292 | $7,127 | −$1,835 (−25.7%) |
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.