Purchase Originations
228
Median Total Costs
$3,827
−42.7% vs national ($6,680)
↑ $290 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$0
Median Lender Credits
$124
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 195 | 6.125% | $3,545 | $0 |
| fha | 33 | 6.000% | $8,156 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 197 | 6.125% | $3,994 | #79 |
| Mississippi | 13 | 5.990% | $3,243 | — |
| Arkansas | 4 | 6.125% | $1,704 | — |
| Colorado | 2 | 6.250% | $3,440 | — |
| Georgia | 2 | 6.125% | $2,669 | — |
| Alabama | 1 | 6.490% | $2,490 | — |
| Arizona | 1 | 6.500% | $6,229 | — |
| Florida | 1 | 6.125% | $4,920 | — |
| Illinois | 1 | 6.125% | $4,795 | — |
| Kentucky | 1 | 6.750% | $3,151 | — |
| Maryland | 1 | 6.000% | $15,745 | — |
| Missouri | 1 | 6.375% | $2,220 | — |
| North Carolina | 1 | 7.125% | $3,060 | — |
| Ohio | 1 | 6.375% | $2,629 | — |
| Virginia | 1 | 7.000% | $3,086 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,286 | 5.750% | — | 1 | −$2,541 | |
| 2 | $1,520 | 5.875% | — | 1 | −$2,307 | |
| 3 | $1,867 | 6.375% | — | 1 | −$1,960 | |
| 4 | $1,888 | 6.375% | — | 1 | −$1,939 | |
| 5 | $2,219 | 6.125% | — | 1 | −$1,608 | |
| 6 | $2,231 | 6.625% | — | 1 | −$1,596 | |
| 7 | $2,260 | 6.250% | — | 3 | −$1,567 | |
| 8 | $2,490 | 6.490% | — | 1 | −$1,337 | |
| 9 | $3,041 | 5.875% | — | 9 | −$786 | |
| 10 | $3,119 | 6.125% | — | 1 | −$708 | |
| 11 | $3,151 | 6.750% | — | 1 | −$676 | |
| 12 | $3,420 | 5.990% | — | 4 | −$407 | |
| 13 | $3,545 | 6.250% | — | 1 | −$282 | |
| 14 | $4,009 | 6.125% | — | 172 | +$182 | |
| 15 | $4,052 | 6.125% | — | 9 | +$225 | |
| 16 | $4,790 | 5.875% | — | 2 | +$963 | |
| 17 | $4,795 | 6.125% | — | 1 | +$968 | |
| 18 | $4,920 | 6.125% | — | 1 | +$1,093 | |
| 19 | $5,013 | 6.125% | — | 1 | +$1,186 | |
| 20 | $6,229 | 6.500% | — | 1 | +$2,402 |
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 | Orion Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $3,827 | $7,127 | −$3,300 (−46.3%) |
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.