Purchase Originations
2,402
Ranked #190 nationally
Median Total Costs
$6,206
−7.1% vs national ($6,680)
↓ $1,925 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,995
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#298
among lenders with 500+ originations
Denial Rate
30.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,121 | 6.375% | $5,605 | $1,995 |
| va | 1,063 | 5.875% | $6,696 | $995 |
| fha | 218 | 5.875% | $11,084 | $1,995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 300 | 6.000% | $6,566 | #158 |
| Virginia | 251 | 6.000% | $5,730 | #69 |
| Florida | 233 | 6.000% | $7,161 | #145 |
| Puerto Rico | 144 | 5.750% | $9,353 | #15 |
| Maryland | 123 | 6.125% | $6,586 | #87 |
| North Carolina | 118 | 6.125% | $5,577 | #140 |
| Georgia | 104 | 6.125% | $5,857 | #139 |
| Kansas | 95 | 6.125% | $4,290 | #68 |
| Pennsylvania | 91 | 6.250% | $5,957 | #168 |
| Tennessee | 70 | 6.125% | $6,017 | #156 |
| California | 61 | 6.125% | $6,707 | #244 |
| New York | 59 | 6.125% | $6,057 | #144 |
| New Jersey | 57 | 6.250% | $7,255 | #145 |
| Ohio | 57 | 6.125% | $5,644 | #177 |
| South Carolina | 47 | 6.000% | $4,890 | — |
| Alabama | 45 | 6.125% | $4,336 | — |
| Illinois | 43 | 6.125% | $6,821 | — |
| Arizona | 37 | 6.000% | $7,475 | — |
| Colorado | 31 | 5.875% | $4,975 | — |
| Missouri | 31 | 6.125% | $4,450 | — |
| Michigan | 30 | 6.125% | $4,663 | — |
| Washington | 28 | 6.000% | $8,074 | — |
| Indiana | 23 | 6.250% | $3,779 | — |
| West Virginia | 20 | 6.125% | $5,527 | — |
| Arkansas | 19 | 6.125% | $4,465 | — |
| Massachusetts | 19 | 6.125% | $6,155 | — |
| Oklahoma | 19 | 5.750% | $7,387 | — |
| Wisconsin | 19 | 6.125% | $4,096 | — |
| Nevada | 18 | 5.938% | $6,085 | — |
| Nebraska | 17 | 6.125% | $5,370 | — |
| Delaware | 16 | 5.938% | $6,955 | — |
| Kentucky | 16 | 6.312% | $4,791 | — |
| New Mexico | 16 | 5.875% | $4,920 | — |
| Minnesota | 15 | 6.250% | $4,571 | — |
| Mississippi | 15 | 6.125% | $7,795 | — |
| Oregon | 14 | 6.062% | $6,620 | — |
| District of Columbia | 11 | 6.250% | $6,261 | — |
| Utah | 11 | 6.000% | $6,564 | — |
| Louisiana | 10 | 6.250% | $6,103 | — |
| Connecticut | 9 | 6.250% | $6,585 | — |
| Hawaii | 7 | 5.500% | $7,792 | — |
| Maine | 7 | 6.125% | $4,509 | — |
| Montana | 7 | 5.500% | $6,786 | — |
| New Hampshire | 7 | 5.750% | $9,492 | — |
| Wyoming | 7 | 6.500% | $4,768 | — |
| Alaska | 6 | 5.750% | $5,271 | — |
| Iowa | 6 | 6.188% | $4,871 | — |
| Idaho | 4 | 5.875% | $4,565 | — |
| Rhode Island | 4 | 6.188% | $5,415 | — |
| South Dakota | 2 | 5.938% | $2,488 | — |
| Vermont | 2 | 6.188% | $8,453 | — |
| North Dakota | 1 | 6.375% | $7,112 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,598 | 6.125% | — | 61 | −$1,608 | |
| 2 | $4,929 | 6.125% | — | 19 | −$1,277 | |
| 3 | $5,061 | 6.125% | — | 22 | −$1,145 | |
| 4 | $5,805 | 6.188% | — | 24 | −$401 | |
| 5 | $5,812 | 6.000% | — | 65 | −$394 | |
| 6 | $6,048 | 6.000% | — | 20 | −$158 | |
| 7 | $6,087 | 6.125% | — | 14 | −$119 | |
| 8 | $6,191 | 6.000% | — | 20 | −$15 | |
| 9 | $6,236 | 5.875% | — | 21 | +$30 | |
| 10 | $6,288 | 5.875% | — | 15 | +$82 | |
| 11 | $6,406 | 6.000% | — | 25 | +$200 | |
| 12 | $6,607 | 6.125% | — | 42 | +$401 | |
| 13 | $6,829 | 6.000% | — | 19 | +$623 | |
| 14 | $7,013 | 6.375% | — | 15 | +$807 | |
| 15 | $7,249 | 6.625% | — | 17 | +$1,043 | |
| 16 | $7,378 | 5.875% | — | 25 | +$1,172 | |
| 17 | $8,816 | 5.812% | — | 18 | +$2,610 | |
| 18 | $9,824 | 5.750% | — | 15 | +$3,618 | |
| 19 | $11,387 | 6.250% | — | 16 | +$5,181 | |
| 20 | $11,449 | 6.000% | — | 23 | +$5,243 |
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 | Pentagon Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $6,206 | $7,127 | −$921 (−12.9%) |
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.