Purchase Originations
140
Median Total Costs
$5,244
−21.5% vs national ($6,680)
↓ $273 vs prior year
Median Rate
6.312%
−2.7% vs national (6.490%)
↓ 0.063% vs prior year
Median Origination
$2,922
Median Lender Credits
$700
Denial Rate
7.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 140 | 6.312% | $5,244 | $2,922 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Idaho | 101 | 6.250% | $5,253 | #47 |
| Washington | 38 | 6.375% | $5,025 | — |
| Oregon | 1 | 6.125% | $6,093 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,777 | 6.062% | — | 2 | −$1,467 | |
| 2 | $3,781 | 6.125% | — | 1 | −$1,463 | |
| 3 | $3,899 | 6.000% | — | 1 | −$1,345 | |
| 4 | $4,678 | 5.750% | — | 3 | −$566 | |
| 5 | $4,684 | 6.250% | — | 13 | −$560 | |
| 6 | $4,724 | 6.375% | — | 7 | −$520 | |
| 7 | $4,804 | 6.125% | — | 5 | −$440 | |
| 8 | $4,891 | 6.250% | — | 35 | −$353 | |
| 9 | $5,256 | 6.062% | — | 16 | +$12 | |
| 10 | $5,619 | 6.375% | — | 9 | +$375 | |
| 11 | $6,093 | 6.125% | — | 1 | +$849 | |
| 12 | $6,156 | 6.000% | — | 12 | +$912 | |
| 13 | $6,249 | 6.500% | — | 6 | +$1,005 | |
| 14 | $6,274 | 6.500% | — | 3 | +$1,030 | |
| 15 | $6,590 | 6.500% | — | 10 | +$1,346 | |
| 16 | $6,640 | 6.375% | — | 2 | +$1,396 | |
| 17 | $7,832 | 6.375% | — | 3 | +$2,588 | |
| 18 | $8,360 | 6.562% | — | 2 | +$3,116 | |
| 19 | $8,818 | 6.562% | — | 2 | +$3,574 | |
| 20 | $9,702 | 6.000% | — | 3 | +$4,458 |
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 | Potlatch No. 1 Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $5,244 | $7,127 | −$1,883 (−26.4%) |
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.