Purchase Originations
306
Median Total Costs
$4,195
−37.2% vs national ($6,680)
↑ $77 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$995
Median Lender Credits
$75
Denial Rate
4.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 251 | 6.125% | $3,821 | $995 |
| fha | 40 | 6.125% | $8,633 | $1,595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Mexico | 301 | 6.125% | $4,174 | #13 |
| Texas | 5 | 5.875% | $5,607 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,449 | 5.750% | — | 1 | −$1,746 | |
| 2 | $3,006 | 6.500% | — | 1 | −$1,189 | |
| 3 | $3,539 | 5.938% | — | 4 | −$656 | |
| 4 | $3,680 | 6.125% | — | 24 | −$515 | |
| 5 | $3,711 | 6.500% | — | 1 | −$484 | |
| 6 | $3,854 | 6.250% | — | 188 | −$341 | |
| 7 | $4,374 | 6.250% | — | 1 | +$179 | |
| 8 | $4,414 | 6.625% | — | 1 | +$219 | |
| 9 | $4,575 | 6.500% | — | 3 | +$380 | |
| 10 | $4,734 | 5.875% | — | 31 | +$539 | |
| 11 | $4,895 | 6.000% | — | 19 | +$700 | |
| 12 | $4,926 | 5.750% | — | 1 | +$731 | |
| 13 | $5,115 | 6.125% | — | 15 | +$920 | |
| 14 | $5,253 | 5.875% | — | 1 | +$1,058 | |
| 15 | $5,607 | 5.875% | — | 3 | +$1,412 | |
| 16 | $6,035 | 6.250% | — | 2 | +$1,840 | |
| 17 | $6,206 | 6.000% | — | 5 | +$2,011 | |
| 18 | $7,124 | 5.875% | — | 1 | +$2,929 | |
| 19 | $10,313 | 6.250% | — | 1 | +$6,118 | |
| 20 | $15,215 | 5.750% | — | 1 | +$11,020 |
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 | Nusenda | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,195 | $7,127 | −$2,932 (−41.1%) |
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.