Purchase Originations
151
Median Total Costs
$3,110
−53.4% vs national ($6,680)
↑ $151 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,150
Median Lender Credits
$112
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 151 | 6.500% | $3,110 | $1,150 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,452 | 6.000% | — | 1 | −$658 | |
| 2 | $2,912 | 6.625% | — | 1 | −$198 | |
| 3 | $2,996 | 6.375% | — | 2 | −$114 | |
| 4 | $3,054 | 6.500% | — | 120 | −$56 | |
| 5 | $3,152 | 6.875% | — | 1 | +$42 | |
| 6 | $3,428 | 6.125% | — | 2 | +$318 | |
| 7 | $3,444 | 5.750% | — | 1 | +$334 | |
| 8 | $3,447 | 6.750% | — | 3 | +$337 | |
| 9 | $3,465 | 6.188% | — | 6 | +$355 | |
| 10 | $3,472 | 6.500% | — | 5 | +$362 | |
| 11 | $3,529 | 6.375% | — | 3 | +$419 | |
| 12 | $3,714 | 6.188% | — | 2 | +$604 | |
| 13 | $3,774 | 6.312% | — | 4 | +$664 |
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 | TLC Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $3,110 | $7,127 | −$4,017 (−56.4%) |
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.