Purchase Originations
120
Median Total Costs
$5,111
−23.5% vs national ($6,680)
Median Rate
6.750%
+4.0% vs national (6.490%)
Median Origination
$749
Median Lender Credits
$648
Denial Rate
7.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 120 | 6.750% | $5,111 | $749 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 120 | 6.750% | $5,111 | #182 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,224 | 8.800% | — | 5 | −$1,887 | |
| 2 | $3,575 | 6.875% | — | 1 | −$1,536 | |
| 3 | $4,147 | 7.562% | — | 14 | −$964 | |
| 4 | $4,868 | 7.438% | — | 46 | −$243 | |
| 5 | $5,105 | 6.375% | — | 22 | −$6 | |
| 6 | $5,351 | 6.750% | — | 16 | +$240 | |
| 7 | $6,931 | 6.500% | — | 1 | +$1,820 | |
| 8 | $7,256 | 6.500% | — | 15 | +$2,145 |
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 | Orange County's Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $5,111 | $7,127 | −$2,016 (−28.3%) |
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.