ONPOINT COMMUNITY CREDIT UNION closing costs and rates (2024)
In 2024, ONPOINT COMMUNITY CREDIT UNION originated 1,559 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $4,668. That ranks #268 nationally by origination volume. For total closing costs among lenders with 500+ originations, ONPOINT COMMUNITY CREDIT UNION ranks #170. That is $2,073 below the national median of $6,741. ONPOINT COMMUNITY CREDIT UNION is most active in Oregon with 1,402 originations there.
Purchase Originations
1,559
Ranked #268 nationally
Median Total Costs
$4,668
−30.8% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$795
Median Lender Credits
$619
Cost Rank (500+ vol.)
#170
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,437 | 6.625% | $4,507 | $795 |
| fha | 103 | 6.375% | $12,593 | $0 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 1,402 | 6.500% | $4,741 | #3 |
| Washington | 157 | 6.625% | $3,672 | #81 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,639 | 6.625% | — | 125 | −$1,029 | |
| 2 | $3,731 | 6.438% | — | 6 | −$937 | |
| 3 | $4,285 | 6.500% | — | 42 | −$383 | |
| 4 | $4,305 | 6.750% | — | 21 | −$363 | |
| 5 | $4,494 | 6.500% | — | 21 | −$174 | |
| 6 | $4,603 | 6.500% | — | 591 | −$65 | |
| 7 | $4,719 | 6.500% | — | 10 | +$51 | |
| 8 | $4,760 | 6.688% | — | 8 | +$92 | |
| 9 | $4,823 | 6.750% | — | 5 | +$155 | |
| 10 | $4,824 | 6.875% | — | 27 | +$156 | |
| 11 | $4,879 | 6.562% | — | 198 | +$211 | |
| 12 | $4,963 | 6.500% | — | 303 | +$295 | |
| 13 | $5,019 | 6.500% | — | 63 | +$351 | |
| 14 | $5,132 | 6.688% | — | 10 | +$464 | |
| 15 | $5,284 | 6.500% | — | 63 | +$616 | |
| 16 | $5,644 | 6.625% | — | 7 | +$976 | |
| 17 | $5,951 | 6.562% | — | 6 | +$1,283 | |
| 18 | $6,094 | 6.500% | — | 6 | +$1,426 | |
| 19 | $7,103 | 6.312% | — | 6 | +$2,435 | |
| 20 | $8,732 | 6.562% | — | 4 | +$4,064 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.