Purchase Originations
690
Ranked #506 nationally
Median Total Costs
$5,735
−14.2% vs national ($6,680)
↓ $412 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,015
Median Lender Credits
$3,073
Cost Rank (500+ vol.)
#258
among lenders with 500+ originations
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 645 | 6.750% | $5,457 | $1,881 |
| fha | 35 | 6.250% | $10,363 | $2,754 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 690 | 6.750% | $5,735 | #91 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,538 | 7.062% | — | 10 | −$2,197 | |
| 2 | $3,748 | 6.750% | — | 4 | −$1,987 | |
| 3 | $3,789 | 7.062% | — | 14 | −$1,946 | |
| 4 | $4,005 | 6.750% | — | 14 | −$1,730 | |
| 5 | $4,121 | 6.875% | — | 15 | −$1,614 | |
| 6 | $4,473 | 6.875% | — | 76 | −$1,262 | |
| 7 | $4,618 | 6.750% | — | 11 | −$1,117 | |
| 8 | $5,288 | 6.875% | — | 3 | −$447 | |
| 9 | $5,903 | 6.750% | — | 204 | +$168 | |
| 10 | $6,140 | 7.000% | — | 3 | +$405 | |
| 11 | $6,153 | 6.625% | — | 19 | +$418 | |
| 12 | $6,223 | 6.750% | — | 5 | +$488 | |
| 13 | $6,326 | 6.875% | — | 2 | +$591 | |
| 14 | $6,402 | 6.750% | — | 163 | +$667 | |
| 15 | $6,582 | 6.625% | — | 29 | +$847 | |
| 16 | $6,885 | 6.625% | — | 7 | +$1,150 | |
| 17 | $7,375 | 6.500% | — | 56 | +$1,640 | |
| 18 | $7,766 | 7.250% | — | 6 | +$2,031 | |
| 19 | $8,004 | 6.938% | — | 4 | +$2,269 | |
| 20 | $10,720 | 7.250% | — | 2 | +$4,985 |
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 | Texas Dow Employees Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $5,735 | $7,127 | −$1,392 (−19.5%) |
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.