Purchase Originations
152
Median Total Costs
$4,322
−35.3% vs national ($6,680)
↓ $2,209 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$1,161
Median Lender Credits
$431
Denial Rate
17.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 150 | 6.500% | $4,322 | $1,183 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 86 | 6.562% | $6,750 | #75 |
| Washington | 66 | 6.375% | $3,447 | #136 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,116 | 6.125% | — | 1 | −$1,206 | |
| 2 | $3,266 | 6.500% | — | 17 | −$1,056 | |
| 3 | $3,389 | 6.562% | — | 14 | −$933 | |
| 4 | $3,611 | 6.125% | — | 25 | −$711 | |
| 5 | $3,687 | 6.750% | — | 2 | −$635 | |
| 6 | $3,789 | 6.375% | — | 3 | −$533 | |
| 7 | $4,063 | 6.312% | — | 2 | −$259 | |
| 8 | $4,701 | 6.625% | — | 16 | +$379 | |
| 9 | $4,973 | 6.375% | — | 9 | +$651 | |
| 10 | $5,078 | 6.875% | — | 5 | +$756 | |
| 11 | $5,106 | 7.125% | — | 1 | +$784 | |
| 12 | $5,249 | 6.000% | — | 1 | +$927 | |
| 13 | $7,214 | 6.500% | — | 30 | +$2,892 | |
| 14 | $7,252 | 6.625% | — | 5 | +$2,930 | |
| 15 | $7,908 | 6.562% | — | 2 | +$3,586 | |
| 16 | $8,401 | 6.625% | — | 9 | +$4,079 | |
| 17 | $8,489 | 6.625% | — | 1 | +$4,167 | |
| 18 | $8,876 | 6.625% | — | 1 | +$4,554 | |
| 19 | $8,940 | 5.625% | — | 2 | +$4,618 | |
| 20 | $12,180 | 6.375% | — | 1 | +$7,858 |
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 | Peak Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $4,322 | $7,127 | −$2,805 (−39.4%) |
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.