Purchase Originations
255
Median Total Costs
$7,545
+12.9% vs national ($6,680)
↑ $319 vs prior year
Median Rate
5.990%
−7.7% vs national (6.490%)
↓ 0.385% vs prior year
Median Origination
$2,174
Median Lender Credits
$105
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 255 | 5.990% | $7,545 | $2,174 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 152 | 5.990% | $6,902 | #187 |
| California | 102 | 5.990% | $7,900 | #196 |
| New Jersey | 1 | 5.650% | $15,386 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,475 | 5.650% | — | 1 | −$3,070 | |
| 2 | $5,086 | 5.933% | — | 14 | −$2,459 | |
| 3 | $5,324 | 5.825% | — | 16 | −$2,221 | |
| 4 | $5,914 | 5.990% | — | 1 | −$1,631 | |
| 5 | $5,995 | 5.870% | — | 2 | −$1,550 | |
| 6 | $6,132 | 5.883% | — | 2 | −$1,413 | |
| 7 | $6,145 | 5.750% | — | 8 | −$1,400 | |
| 8 | $6,617 | 5.700% | — | 12 | −$928 | |
| 9 | $6,677 | 5.750% | — | 19 | −$868 | |
| 10 | $6,729 | 5.820% | — | 2 | −$816 | |
| 11 | $6,755 | 5.990% | — | 11 | −$790 | |
| 12 | $6,910 | 5.750% | — | 1 | −$635 | |
| 13 | $7,336 | 6.125% | — | 1 | −$209 | |
| 14 | $7,542 | 5.945% | — | 26 | −$3 | |
| 15 | $7,633 | 5.990% | — | 80 | +$88 | |
| 16 | $7,688 | 5.650% | — | 1 | +$143 | |
| 17 | $9,046 | 5.990% | — | 49 | +$1,501 | |
| 18 | $9,057 | 5.938% | — | 2 | +$1,512 | |
| 19 | $13,793 | 5.750% | — | 3 | +$6,248 | |
| 20 | $14,755 | 5.650% | — | 1 | +$7,210 |
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 | PARTNERS Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $7,545 | $7,127 | +$418 (+5.9%) |
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.