Purchase Originations
410
Median Total Costs
$5,346
−20.0% vs national ($6,680)
↓ $136 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$995
Median Lender Credits
$933
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 410 | 6.125% | $5,346 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Arizona | 410 | 6.125% | $5,346 | #47 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,601 | 6.000% | — | 26 | −$745 | |
| 2 | $4,794 | 6.375% | — | 5 | −$552 | |
| 3 | $4,889 | 6.125% | — | 57 | −$457 | |
| 4 | $5,199 | 6.125% | — | 18 | −$147 | |
| 5 | $5,431 | 6.125% | — | 30 | +$85 | |
| 6 | $5,499 | 6.188% | — | 2 | +$153 | |
| 7 | $5,564 | 6.125% | — | 230 | +$218 | |
| 8 | $5,665 | 6.125% | — | 33 | +$319 | |
| 9 | $6,253 | 6.250% | — | 2 | +$907 | |
| 10 | $8,289 | 6.188% | — | 2 | +$2,943 | |
| 11 | $8,896 | 6.250% | — | 5 | +$3,550 |
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 | OneAZ Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $420,000 | $335,000 | +$85,000 (+25.4%) |
| Median total closing costs | $5,346 | $7,127 | −$1,781 (−25.0%) |
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.