STANFORD Federal Credit Union closing costs and rates (2024)
In 2024, STANFORD Federal Credit Union originated 270 purchase mortgages at a median interest rate of 6.50% and median total closing costs of $4,960. That is $1,781 below the national median of $6,741. STANFORD Federal Credit Union is most active in California with 213 originations there.
Purchase Originations
270
Median Total Costs
$4,960
−26.4% vs national ($6,741)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$795
Median Lender Credits
$2,000
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 270 | 6.500% | $4,960 | $795 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 213 | 6.500% | $4,955 | #145 |
| Texas | 12 | 6.500% | $6,110 | — |
| Washington | 7 | 6.250% | $5,065 | — |
| Pennsylvania | 5 | 6.375% | $5,407 | — |
| Florida | 4 | 6.562% | $7,097 | — |
| Nevada | 3 | 6.500% | $4,223 | — |
| New York | 3 | 6.500% | $4,701 | — |
| Oregon | 3 | 6.875% | $3,716 | — |
| Virginia | 3 | 6.375% | $4,626 | — |
| Arizona | 2 | 6.312% | $5,154 | — |
| Colorado | 2 | 6.688% | $3,463 | — |
| New Jersey | 2 | 6.062% | $5,123 | — |
| New Mexico | 2 | 6.312% | $4,571 | — |
| Ohio | 2 | 6.375% | $4,272 | — |
| Arkansas | 1 | 6.500% | $4,345 | — |
| Connecticut | 1 | 6.625% | $5,542 | — |
| Georgia | 1 | 6.500% | $3,648 | — |
| Illinois | 1 | 6.500% | $6,123 | — |
| Minnesota | 1 | 6.125% | $3,076 | — |
| Missouri | 1 | 6.125% | $3,299 | — |
| Montana | 1 | 6.500% | $9,439 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,474 | 6.125% | — | 3 | −$1,486 | |
| 2 | $3,534 | 6.875% | — | 3 | −$1,426 | |
| 3 | $3,715 | 6.312% | — | 2 | −$1,245 | |
| 4 | $3,858 | 6.500% | — | 83 | −$1,102 | |
| 5 | $3,979 | 6.875% | — | 5 | −$981 | |
| 6 | $4,509 | 6.000% | — | 2 | −$451 | |
| 7 | $4,756 | 6.562% | — | 4 | −$204 | |
| 8 | $5,066 | 6.500% | — | 12 | +$106 | |
| 9 | $5,077 | 6.375% | — | 3 | +$117 | |
| 10 | $5,317 | 6.562% | — | 18 | +$357 | |
| 11 | $5,342 | 6.562% | — | 2 | +$382 | |
| 12 | $5,536 | 6.125% | — | 3 | +$576 | |
| 13 | $5,721 | 6.375% | — | 9 | +$761 | |
| 14 | $5,838 | 6.500% | — | 4 | +$878 | |
| 15 | $5,907 | 6.375% | — | 3 | +$947 | |
| 16 | $5,964 | 6.500% | — | 46 | +$1,004 | |
| 17 | $6,319 | 6.125% | — | 3 | +$1,359 | |
| 18 | $6,656 | 6.625% | — | 2 | +$1,696 | |
| 19 | $7,816 | 6.500% | — | 9 | +$2,856 | |
| 20 | $7,985 | 6.625% | — | 3 | +$3,025 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.