Purchase Originations
151
Median Total Costs
$8,551
+28.0% vs national ($6,680)
↑ $1,148 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$5,180
Median Lender Credits
$469
Denial Rate
17.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 126 | 6.750% | $8,068 | $5,198 |
| fha | 23 | 6.125% | $14,437 | $5,348 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 129 | 6.625% | $8,463 | #93 |
| Idaho | 15 | 6.750% | $9,086 | — |
| Oregon | 4 | 5.812% | $10,123 | — |
| Arizona | 3 | 6.875% | $12,582 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,546 | 6.500% | — | 1 | −$5,005 | |
| 2 | $6,477 | 6.125% | — | 5 | −$2,074 | |
| 3 | $6,555 | 6.938% | — | 2 | −$1,996 | |
| 4 | $6,563 | 6.562% | — | 2 | −$1,988 | |
| 5 | $6,882 | 7.375% | — | 1 | −$1,669 | |
| 6 | $8,046 | 6.750% | — | 70 | −$505 | |
| 7 | $8,819 | 6.625% | — | 12 | +$268 | |
| 8 | $8,826 | 5.875% | — | 1 | +$275 | |
| 9 | $9,247 | 6.812% | — | 6 | +$696 | |
| 10 | $9,823 | 6.375% | — | 1 | +$1,272 | |
| 11 | $9,824 | 6.750% | — | 5 | +$1,273 | |
| 12 | $10,836 | 6.375% | — | 10 | +$2,285 | |
| 13 | $11,421 | 5.750% | — | 1 | +$2,870 | |
| 14 | $12,077 | 6.625% | — | 5 | +$3,526 | |
| 15 | $13,192 | 7.250% | — | 5 | +$4,641 | |
| 16 | $14,686 | 7.125% | — | 2 | +$6,135 | |
| 17 | $14,827 | 7.062% | — | 2 | +$6,276 | |
| 18 | $15,872 | 7.312% | — | 4 | +$7,321 | |
| 19 | $17,079 | 6.125% | — | 9 | +$8,528 | |
| 20 | $17,855 | 5.625% | — | 1 | +$9,304 |
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 | Numerica Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $8,551 | $7,127 | +$1,424 (+20.0%) |
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.