Purchase Originations
176
Median Total Costs
$5,079
−24.0% vs national ($6,680)
↓ $134 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$1,550
Median Lender Credits
$326
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 176 | 6.250% | $5,079 | $1,550 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,540 | 6.500% | — | 2 | −$1,539 | |
| 2 | $4,136 | 7.010% | — | 1 | −$943 | |
| 3 | $4,161 | 6.750% | — | 6 | −$918 | |
| 4 | $4,357 | 6.970% | — | 1 | −$722 | |
| 5 | $4,392 | 6.750% | — | 1 | −$687 | |
| 6 | $4,410 | 6.750% | — | 6 | −$669 | |
| 7 | $4,516 | 6.750% | — | 1 | −$563 | |
| 8 | $4,595 | 6.750% | — | 1 | −$484 | |
| 9 | $4,613 | 6.625% | — | 6 | −$466 | |
| 10 | $4,647 | 6.500% | — | 1 | −$432 | |
| 11 | $4,765 | 6.250% | — | 26 | −$314 | |
| 12 | $4,859 | 6.250% | — | 42 | −$220 | |
| 13 | $4,950 | 6.250% | — | 1 | −$129 | |
| 14 | $5,855 | 6.500% | — | 2 | +$776 | |
| 15 | $5,966 | 6.250% | — | 69 | +$887 | |
| 16 | $6,673 | 6.750% | — | 2 | +$1,594 | |
| 17 | $9,013 | 5.625% | — | 1 | +$3,934 | |
| 18 | $9,539 | 6.500% | — | 1 | +$4,460 | |
| 19 | $13,174 | 6.750% | — | 1 | +$8,095 | |
| 20 | $13,274 | 6.250% | — | 1 | +$8,195 |
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 | OnPath Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $420,000 | $335,000 | +$85,000 (+25.4%) |
| Median total closing costs | $5,079 | $7,127 | −$2,048 (−28.7%) |
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.