Purchase Originations
141
Median Total Costs
$7,290
+9.1% vs national ($6,680)
↑ $349 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,035
Median Lender Credits
$624
Denial Rate
6.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 86 | 6.375% | $5,181 | $1,251 |
| fha | 43 | 5.750% | $12,035 | $1,035 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,052 | 6.000% | — | 1 | −$3,238 | |
| 2 | $4,358 | 6.750% | — | 1 | −$2,932 | |
| 3 | $5,341 | 5.125% | — | 1 | −$1,949 | |
| 4 | $7,302 | 6.000% | — | 132 | +$12 | |
| 5 | $8,867 | 5.250% | — | 5 | +$1,577 | |
| 6 | $14,219 | 5.875% | — | 1 | +$6,929 |
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 | One Nevada Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $7,290 | $7,127 | +$163 (+2.3%) |
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.