Purchase Originations
449
Median Total Costs
$2,799
−58.1% vs national ($6,680)
↑ $71 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$695
Median Lender Credits
$217
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 389 | 6.375% | $2,733 | $695 |
| fha | 31 | 5.875% | $6,010 | $695 |
| va | 29 | 5.875% | $3,236 | $695 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,408 | 6.125% | — | 93 | −$391 | |
| 2 | $2,456 | 6.375% | — | 9 | −$343 | |
| 3 | $2,512 | 6.438% | — | 4 | −$287 | |
| 4 | $2,547 | 6.312% | — | 10 | −$252 | |
| 5 | $2,640 | 6.250% | — | 145 | −$159 | |
| 6 | $2,693 | 5.938% | — | 6 | −$106 | |
| 7 | $2,736 | 6.188% | — | 14 | −$63 | |
| 8 | $2,747 | 6.000% | — | 2 | −$52 | |
| 9 | $2,871 | 6.750% | — | 3 | +$72 | |
| 10 | $2,951 | 6.000% | — | 15 | +$152 | |
| 11 | $2,953 | 6.312% | — | 12 | +$154 | |
| 12 | $2,981 | 6.750% | — | 10 | +$182 | |
| 13 | $3,152 | 6.250% | — | 11 | +$353 | |
| 14 | $3,355 | 6.062% | — | 6 | +$556 | |
| 15 | $3,431 | 6.062% | — | 34 | +$632 | |
| 16 | $3,480 | 6.125% | — | 3 | +$681 | |
| 17 | $3,504 | 6.000% | — | 37 | +$705 | |
| 18 | $3,565 | 5.875% | — | 2 | +$766 | |
| 19 | $3,604 | 6.500% | — | 2 | +$805 | |
| 20 | $5,874 | 6.250% | — | 5 | +$3,075 |
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 | Scott Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $2,799 | $7,127 | −$4,328 (−60.7%) |
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.