Purchase Originations
1,062
Ranked #360 nationally
Median Total Costs
$2,834
−57.6% vs national ($6,680)
↑ $132 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,154
Median Lender Credits
$89
Cost Rank (500+ vol.)
#39
among lenders with 500+ originations
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,059 | 6.625% | $2,834 | $1,154 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,685 | 6.688% | — | 20 | −$149 | |
| 2 | $2,713 | 6.500% | — | 33 | −$121 | |
| 3 | $2,728 | 6.625% | — | 39 | −$106 | |
| 4 | $2,785 | 6.562% | — | 14 | −$49 | |
| 5 | $2,804 | 6.500% | — | 20 | −$30 | |
| 6 | $2,808 | 6.125% | — | 4 | −$26 | |
| 7 | $2,809 | 6.625% | — | 60 | −$25 | |
| 8 | $2,813 | 6.562% | — | 32 | −$21 | |
| 9 | $2,817 | 6.625% | — | 654 | −$17 | |
| 10 | $2,835 | 6.750% | — | 23 | +$1 | |
| 11 | $2,876 | 6.625% | — | 41 | +$42 | |
| 12 | $2,918 | 6.625% | — | 25 | +$84 | |
| 13 | $2,951 | 6.375% | — | 4 | +$117 | |
| 14 | $2,979 | 6.750% | — | 8 | +$145 | |
| 15 | $3,022 | 6.750% | — | 6 | +$188 | |
| 16 | $3,056 | 6.750% | — | 7 | +$222 | |
| 17 | $3,309 | 6.688% | — | 8 | +$475 | |
| 18 | $3,589 | 6.625% | — | 5 | +$755 | |
| 19 | $3,599 | 6.438% | — | 6 | +$765 | |
| 20 | $3,637 | 6.875% | — | 12 | +$803 |
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 | Three Rivers Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,834 | $7,127 | −$4,293 (−60.2%) |
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.