Purchase Originations
136
Median Total Costs
$5,708
−14.6% vs national ($6,680)
↓ $512 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$2,017
Median Lender Credits
$632
Denial Rate
6.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 136 | 6.500% | $5,708 | $2,017 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 133 | 6.500% | $5,795 | #61 |
| Washington | 3 | 6.625% | $3,955 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,954 | 6.750% | — | 1 | −$3,754 | |
| 2 | $2,702 | 7.125% | — | 1 | −$3,006 | |
| 3 | $3,598 | 6.500% | — | 1 | −$2,110 | |
| 4 | $3,955 | 6.625% | — | 1 | −$1,753 | |
| 5 | $4,846 | 6.500% | — | 13 | −$862 | |
| 6 | $4,863 | 6.312% | — | 2 | −$845 | |
| 7 | $4,975 | 6.625% | — | 12 | −$733 | |
| 8 | $5,544 | 5.875% | — | 3 | −$164 | |
| 9 | $5,761 | 6.438% | — | 6 | +$53 | |
| 10 | $5,915 | 6.625% | — | 26 | +$207 | |
| 11 | $5,974 | 6.375% | — | 41 | +$266 | |
| 12 | $6,241 | 6.500% | — | 6 | +$533 | |
| 13 | $6,833 | 6.750% | — | 6 | +$1,125 | |
| 14 | $7,262 | 6.375% | — | 1 | +$1,554 | |
| 15 | $7,510 | 5.625% | — | 5 | +$1,802 | |
| 16 | $8,400 | 6.375% | — | 10 | +$2,692 | |
| 17 | $15,550 | 6.000% | — | 1 | +$9,842 |
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 | Oregon State Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $5,708 | $7,127 | −$1,419 (−19.9%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.