Purchase Originations
300
Median Total Costs
$3,231
−51.6% vs national ($6,680)
Median Rate
5.875%
−9.5% vs national (6.490%)
Median Origination
$929
Median Lender Credits
$119
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 299 | 5.875% | $3,225 | $929 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,119 | 5.750% | — | 3 | −$1,112 | |
| 2 | $2,298 | 6.312% | — | 2 | −$933 | |
| 3 | $2,906 | 6.000% | — | 5 | −$325 | |
| 4 | $2,932 | 5.750% | — | 2 | −$299 | |
| 5 | $2,950 | 5.812% | — | 4 | −$281 | |
| 6 | $3,091 | 5.938% | — | 176 | −$140 | |
| 7 | $3,092 | 5.875% | — | 3 | −$139 | |
| 8 | $3,139 | 6.125% | — | 22 | −$92 | |
| 9 | $3,263 | 6.250% | — | 2 | +$32 | |
| 10 | $6,087 | 5.875% | — | 2 | +$2,856 | |
| 11 | $6,333 | 5.875% | — | 9 | +$3,102 | |
| 12 | $6,718 | 5.375% | — | 3 | +$3,487 | |
| 13 | $7,651 | 5.500% | — | 5 | +$4,420 | |
| 14 | $7,920 | 5.750% | — | 6 | +$4,689 | |
| 15 | $8,843 | 5.875% | — | 14 | +$5,612 | |
| 16 | $9,359 | 5.625% | — | 6 | +$6,128 | |
| 17 | $9,378 | 5.500% | — | 5 | +$6,147 | |
| 18 | $9,489 | 5.500% | — | 5 | +$6,258 | |
| 19 | $10,017 | 5.688% | — | 2 | +$6,786 | |
| 20 | $10,896 | 5.750% | — | 5 | +$7,665 |
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 | PREMIER MEMBERS CREDIT UNION | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,231 | $7,127 | −$3,896 (−54.7%) |
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.