Purchase Originations
113
Median Total Costs
$3,653
−45.3% vs national ($6,680)
↑ $110 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,319
Median Lender Credits
—
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 113 | 6.625% | $3,653 | $1,319 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 109 | 6.625% | $3,642 | #124 |
| Illinois | 3 | 6.125% | $6,235 | — |
| North Carolina | 1 | 6.750% | $4,472 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,193 | 6.500% | — | 1 | −$460 | |
| 2 | $3,389 | 6.562% | — | 6 | −$264 | |
| 3 | $3,389 | 6.750% | — | 3 | −$264 | |
| 4 | $3,485 | 6.688% | — | 32 | −$168 | |
| 5 | $3,489 | 6.875% | — | 1 | −$164 | |
| 6 | $3,535 | 6.688% | — | 8 | −$118 | |
| 7 | $3,544 | 6.625% | — | 1 | −$109 | |
| 8 | $3,570 | 6.562% | — | 10 | −$83 | |
| 9 | $3,741 | 6.625% | — | 45 | +$88 | |
| 10 | $3,978 | 6.500% | — | 1 | +$325 | |
| 11 | $4,070 | 6.375% | — | 1 | +$417 | |
| 12 | $4,472 | 6.750% | — | 1 | +$819 | |
| 13 | $6,235 | 6.125% | — | 3 | +$2,582 |
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 | TECH Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,653 | $7,127 | −$3,474 (−48.7%) |
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.