Purchase Originations
241
Median Total Costs
$4,896
−26.7% vs national ($6,680)
↑ $260 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$0
Median Lender Credits
$130
Denial Rate
1.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 241 | 5.750% | $4,896 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 241 | 5.750% | $4,896 | #132 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,009 | 5.375% | — | 3 | −$1,887 | |
| 2 | $3,092 | 5.875% | — | 3 | −$1,804 | |
| 3 | $3,244 | 5.375% | — | 13 | −$1,652 | |
| 4 | $3,256 | 5.375% | — | 1 | −$1,640 | |
| 5 | $3,295 | 5.750% | — | 50 | −$1,601 | |
| 6 | $3,449 | 5.500% | — | 1 | −$1,447 | |
| 7 | $3,473 | 5.938% | — | 2 | −$1,423 | |
| 8 | $3,581 | 5.750% | — | 1 | −$1,315 | |
| 9 | $3,809 | 5.875% | — | 2 | −$1,087 | |
| 10 | $3,886 | 5.938% | — | 2 | −$1,010 | |
| 11 | $4,094 | 6.000% | — | 3 | −$802 | |
| 12 | $4,672 | 5.500% | — | 2 | −$224 | |
| 13 | $5,202 | 5.375% | — | 3 | +$306 | |
| 14 | $5,342 | 5.500% | — | 17 | +$446 | |
| 15 | $5,436 | 5.688% | — | 40 | +$540 | |
| 16 | $5,490 | 5.750% | — | 4 | +$594 | |
| 17 | $5,494 | 5.750% | — | 80 | +$598 | |
| 18 | $5,912 | 5.875% | — | 1 | +$1,016 | |
| 19 | $6,102 | 5.938% | — | 2 | +$1,206 | |
| 20 | $9,804 | 5.750% | — | 2 | +$4,908 |
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 | Provident Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $985,000 | $335,000 | +$650,000 (+194.0%) |
| Median total closing costs | $4,896 | $7,127 | −$2,231 (−31.3%) |
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.