Purchase Originations
133
Median Total Costs
$4,411
−34.0% vs national ($6,680)
↑ $257 vs prior year
Median Rate
5.625%
−13.3% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$965
Median Lender Credits
$600
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 133 | 5.625% | $4,411 | $965 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 125 | 5.625% | $4,433 | #77 |
| Connecticut | 8 | 5.750% | $4,329 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,859 | 5.875% | — | 1 | −$552 | |
| 2 | $4,339 | 5.500% | — | 6 | −$72 | |
| 3 | $4,377 | 5.750% | — | 1 | −$34 | |
| 4 | $4,404 | 5.625% | — | 25 | −$7 | |
| 5 | $4,422 | 5.625% | — | 94 | +$11 | |
| 6 | $4,597 | 6.000% | — | 1 | +$186 | |
| 7 | $4,710 | 5.375% | — | 3 | +$299 | |
| 8 | $4,851 | 5.500% | — | 1 | +$440 | |
| 9 | $5,015 | 5.125% | — | 1 | +$604 |
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 | Polish National Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $4,411 | $7,127 | −$2,716 (−38.1%) |
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.