Purchase Originations
130
Median Total Costs
$6,059
−9.3% vs national ($6,680)
↑ $1,268 vs prior year
Median Rate
6.438%
−0.8% vs national (6.490%)
↓ 0.062% vs prior year
Median Origination
$2,098
Median Lender Credits
$300
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 130 | 6.438% | $6,059 | $2,098 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 114 | 6.500% | $5,986 | #68 |
| Washington | 16 | 6.375% | $6,282 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,682 | 6.750% | — | 1 | −$3,377 | |
| 2 | $3,025 | 6.375% | — | 1 | −$3,034 | |
| 3 | $3,110 | 5.875% | — | 1 | −$2,949 | |
| 4 | $3,414 | 6.375% | — | 1 | −$2,645 | |
| 5 | $3,627 | 5.625% | — | 3 | −$2,432 | |
| 6 | $4,250 | 6.875% | — | 1 | −$1,809 | |
| 7 | $4,823 | 6.500% | — | 3 | −$1,236 | |
| 8 | $4,928 | 6.438% | — | 2 | −$1,131 | |
| 9 | $4,991 | 6.250% | — | 2 | −$1,068 | |
| 10 | $5,196 | 6.500% | — | 3 | −$863 | |
| 11 | $5,266 | 6.625% | — | 7 | −$793 | |
| 12 | $5,605 | 6.188% | — | 14 | −$454 | |
| 13 | $6,102 | 6.375% | — | 55 | +$43 | |
| 14 | $6,325 | 6.750% | — | 11 | +$266 | |
| 15 | $6,346 | 6.875% | — | 2 | +$287 | |
| 16 | $6,940 | 6.500% | — | 1 | +$881 | |
| 17 | $7,651 | 6.625% | — | 18 | +$1,592 | |
| 18 | $8,754 | 5.688% | — | 2 | +$2,695 | |
| 19 | $9,555 | 5.125% | — | 1 | +$3,496 | |
| 20 | $15,929 | 6.000% | — | 1 | +$9,870 |
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 | Rivermark Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $420,000 | $335,000 | +$85,000 (+25.4%) |
| Median total closing costs | $6,059 | $7,127 | −$1,068 (−15.0%) |
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.