Purchase Originations
104
Median Total Costs
$3,262
−51.2% vs national ($6,680)
↑ $251 vs prior year
Median Rate
6.438%
−0.8% vs national (6.490%)
↓ 0.187% vs prior year
Median Origination
$975
Median Lender Credits
$2,000
Denial Rate
6.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 104 | 6.438% | $3,262 | $975 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,416 | 6.375% | — | 1 | −$846 | |
| 2 | $2,773 | 7.125% | — | 1 | −$489 | |
| 3 | $2,789 | 5.625% | — | 3 | −$473 | |
| 4 | $2,875 | 6.250% | — | 5 | −$387 | |
| 5 | $2,913 | 7.875% | — | 1 | −$349 | |
| 6 | $2,942 | 6.000% | — | 5 | −$320 | |
| 7 | $3,197 | 6.375% | — | 7 | −$65 | |
| 8 | $3,205 | 6.188% | — | 10 | −$57 | |
| 9 | $3,243 | 5.875% | — | 1 | −$19 | |
| 10 | $3,252 | 6.500% | — | 1 | −$10 | |
| 11 | $3,262 | 6.438% | — | 2 | +$0 | |
| 12 | $3,267 | 6.562% | — | 44 | +$5 | |
| 13 | $3,290 | 5.875% | — | 1 | +$28 | |
| 14 | $3,346 | 6.250% | — | 1 | +$84 | |
| 15 | $3,353 | 6.375% | — | 7 | +$91 | |
| 16 | $3,429 | 6.375% | — | 1 | +$167 | |
| 17 | $3,766 | 6.562% | — | 6 | +$504 | |
| 18 | $3,906 | 6.625% | — | 1 | +$644 | |
| 19 | $3,926 | 5.875% | — | 1 | +$664 | |
| 20 | $4,751 | 6.625% | — | 1 | +$1,489 |
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 | Park Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $230,000 | $335,000 | −$105,000 (−31.3%) |
| Median total closing costs | $3,262 | $7,127 | −$3,865 (−54.2%) |
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.