Purchase Originations
356
Median Total Costs
$4,532
−32.2% vs national ($6,680)
↑ $139 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$0
Median Lender Credits
$675
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 356 | 5.875% | $4,532 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 296 | 5.875% | $4,699 | #114 |
| Texas | 11 | 5.875% | $4,773 | — |
| Washington | 10 | 6.000% | $4,143 | — |
| Oregon | 7 | 6.625% | $3,298 | — |
| Arizona | 5 | 5.750% | $4,433 | — |
| Colorado | 3 | 6.375% | $2,526 | — |
| Florida | 3 | 5.875% | $3,387 | — |
| Idaho | 3 | 6.500% | $4,349 | — |
| Maryland | 3 | 6.375% | $3,580 | — |
| Ohio | 2 | 6.125% | $3,684 | — |
| Pennsylvania | 2 | 6.188% | $3,852 | — |
| Utah | 2 | 6.062% | $3,895 | — |
| Alaska | 1 | 5.250% | $3,036 | — |
| Alabama | 1 | 5.375% | $9,045 | — |
| Illinois | 1 | 6.000% | $5,873 | — |
| Minnesota | 1 | 5.875% | $3,995 | — |
| Missouri | 1 | 6.500% | $2,033 | — |
| North Carolina | 1 | 5.750% | $3,471 | — |
| New Jersey | 1 | 5.875% | $7,569 | — |
| Nevada | 1 | 5.875% | $2,627 | — |
| New York | 1 | 6.625% | $3,823 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,678 | 6.375% | — | 3 | −$1,854 | |
| 2 | $3,038 | 5.938% | — | 4 | −$1,494 | |
| 3 | $3,269 | 5.938% | — | 2 | −$1,263 | |
| 4 | $3,444 | 5.875% | — | 91 | −$1,088 | |
| 5 | $4,183 | 5.875% | — | 8 | −$349 | |
| 6 | $4,249 | 5.875% | — | 13 | −$283 | |
| 7 | $4,349 | 6.500% | — | 3 | −$183 | |
| 8 | $4,489 | 5.938% | — | 10 | −$43 | |
| 9 | $4,576 | 5.938% | — | 4 | +$44 | |
| 10 | $4,579 | 5.375% | — | 3 | +$47 | |
| 11 | $4,692 | 5.875% | — | 3 | +$160 | |
| 12 | $4,854 | 6.062% | — | 4 | +$322 | |
| 13 | $5,449 | 5.875% | — | 76 | +$917 | |
| 14 | $5,567 | 5.875% | — | 5 | +$1,035 | |
| 15 | $5,628 | 5.875% | — | 3 | +$1,096 | |
| 16 | $6,010 | 5.875% | — | 19 | +$1,478 | |
| 17 | $6,046 | 5.562% | — | 6 | +$1,514 | |
| 18 | $6,059 | 5.875% | — | 18 | +$1,527 | |
| 19 | $6,209 | 6.000% | — | 5 | +$1,677 | |
| 20 | $7,175 | 5.938% | — | 6 | +$2,643 |
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 | STAR ONE Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $800,000 | $335,000 | +$465,000 (+138.8%) |
| Median total closing costs | $4,532 | $7,127 | −$2,595 (−36.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.