Purchase Originations
144
Median Total Costs
$5,905
−11.6% vs national ($6,680)
↑ $395 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.090% vs prior year
Median Origination
$3,512
Median Lender Credits
—
Denial Rate
4.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 144 | 6.250% | $5,905 | $3,512 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 118 | 6.250% | $6,110 | #141 |
| South Carolina | 24 | 6.250% | $5,667 | — |
| Maryland | 1 | 5.250% | $4,027 | — |
| Tennessee | 1 | 4.500% | $1,866 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,737 | 6.250% | — | 1 | −$4,168 | |
| 2 | $4,005 | 6.870% | — | 2 | −$1,900 | |
| 3 | $4,086 | 5.857% | — | 2 | −$1,819 | |
| 4 | $4,214 | 6.625% | — | 4 | −$1,691 | |
| 5 | $4,598 | 6.625% | — | 2 | −$1,307 | |
| 6 | $4,723 | 6.250% | — | 2 | −$1,182 | |
| 7 | $4,732 | 6.490% | — | 11 | −$1,173 | |
| 8 | $4,935 | 6.500% | — | 6 | −$970 | |
| 9 | $5,602 | 6.170% | — | 12 | −$303 | |
| 10 | $6,327 | 5.875% | — | 7 | +$422 | |
| 11 | $6,590 | 5.670% | — | 4 | +$685 | |
| 12 | $6,603 | 6.250% | — | 11 | +$698 | |
| 13 | $6,639 | 5.590% | — | 1 | +$734 | |
| 14 | $6,717 | 6.250% | — | 48 | +$812 | |
| 15 | $6,721 | 5.950% | — | 2 | +$816 | |
| 16 | $6,932 | 6.500% | — | 1 | +$1,027 | |
| 17 | $6,936 | 6.090% | — | 3 | +$1,031 | |
| 18 | $7,221 | 5.920% | — | 2 | +$1,316 | |
| 19 | $7,958 | 6.040% | — | 10 | +$2,053 | |
| 20 | $13,283 | 6.090% | — | 1 | +$7,378 |
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 | Skyla Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $5,905 | $7,127 | −$1,222 (−17.1%) |
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.