Purchase Originations
1,760
Ranked #250 nationally
Median Total Costs
$4,683
−29.9% vs national ($6,680)
↑ $15 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$865
Median Lender Credits
$622
Cost Rank (500+ vol.)
#164
among lenders with 500+ originations
Denial Rate
3.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,663 | 6.500% | $4,561 | $875 |
| fha | 80 | 6.375% | $12,988 | $795 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 1,621 | 6.500% | $4,730 | #3 |
| Washington | 139 | 6.500% | $3,748 | #85 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,841 | 6.500% | — | 103 | −$842 | |
| 2 | $3,859 | 6.625% | — | 4 | −$824 | |
| 3 | $4,145 | 6.500% | — | 5 | −$538 | |
| 4 | $4,343 | 6.375% | — | 7 | −$340 | |
| 5 | $4,464 | 6.500% | — | 61 | −$219 | |
| 6 | $4,524 | 6.625% | — | 3 | −$159 | |
| 7 | $4,607 | 6.375% | — | 378 | −$76 | |
| 8 | $4,624 | 6.500% | — | 46 | −$59 | |
| 9 | $4,630 | 6.500% | — | 12 | −$53 | |
| 10 | $4,688 | 6.375% | — | 73 | +$5 | |
| 11 | $4,713 | 6.500% | — | 663 | +$30 | |
| 12 | $4,756 | 6.500% | — | 61 | +$73 | |
| 13 | $4,838 | 6.688% | — | 10 | +$155 | |
| 14 | $4,971 | 6.375% | — | 13 | +$288 | |
| 15 | $5,035 | 6.500% | — | 231 | +$352 | |
| 16 | $5,063 | 6.625% | — | 11 | +$380 | |
| 17 | $5,068 | 6.625% | — | 7 | +$385 | |
| 18 | $6,428 | 6.375% | — | 17 | +$1,745 | |
| 19 | $7,103 | 6.500% | — | 8 | +$2,420 | |
| 20 | $7,763 | 6.375% | — | 7 | +$3,080 |
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 | Onpoint Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $4,683 | $7,127 | −$2,444 (−34.3%) |
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.