Purchase Originations
417
Median Total Costs
$3,655
−45.3% vs national ($6,680)
↑ $269 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,100
Median Lender Credits
$500
Denial Rate
8.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 405 | 6.375% | $3,613 | $1,100 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 340 | 6.375% | $3,608 | #36 |
| Illinois | 24 | 6.250% | $2,968 | — |
| Florida | 10 | 6.438% | $4,306 | — |
| Texas | 7 | 6.375% | $5,034 | — |
| New York | 6 | 6.375% | $4,524 | — |
| Ohio | 6 | 6.375% | $4,095 | — |
| North Carolina | 5 | 6.125% | $3,667 | — |
| California | 2 | 5.938% | $6,675 | — |
| Georgia | 2 | 6.562% | $3,880 | — |
| Minnesota | 2 | 6.188% | $4,140 | — |
| South Carolina | 2 | 6.688% | $2,926 | — |
| Wisconsin | 2 | 6.000% | $3,498 | — |
| Colorado | 1 | 6.500% | $2,991 | — |
| District of Columbia | 1 | 6.625% | $5,536 | — |
| Indiana | 1 | 6.375% | $2,636 | — |
| Kansas | 1 | 6.625% | $2,961 | — |
| Nebraska | 1 | 6.875% | $2,998 | — |
| New Jersey | 1 | 6.250% | $10,902 | — |
| Nevada | 1 | 7.000% | $3,267 | — |
| Oregon | 1 | 6.625% | $4,448 | — |
| Tennessee | 1 | 6.500% | $3,366 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,986 | 6.625% | — | 2 | −$1,669 | |
| 2 | $2,644 | 6.250% | — | 9 | −$1,011 | |
| 3 | $2,961 | 6.500% | — | 9 | −$694 | |
| 4 | $2,991 | 6.500% | — | 1 | −$664 | |
| 5 | $3,273 | 6.625% | — | 4 | −$382 | |
| 6 | $3,374 | 6.625% | — | 3 | −$281 | |
| 7 | $3,538 | 6.125% | — | 5 | −$117 | |
| 8 | $3,572 | 6.250% | — | 53 | −$83 | |
| 9 | $3,594 | 6.375% | — | 48 | −$61 | |
| 10 | $3,661 | 6.375% | — | 165 | +$6 | |
| 11 | $3,742 | 6.250% | — | 45 | +$87 | |
| 12 | $3,781 | 6.438% | — | 8 | +$126 | |
| 13 | $3,882 | 5.812% | — | 2 | +$227 | |
| 14 | $4,095 | 6.375% | — | 4 | +$440 | |
| 15 | $4,335 | 6.438% | — | 2 | +$680 | |
| 16 | $4,654 | 6.500% | — | 1 | +$999 | |
| 17 | $5,438 | 6.375% | — | 4 | +$1,783 | |
| 18 | $5,536 | 6.625% | — | 1 | +$1,881 | |
| 19 | $6,062 | 5.812% | — | 2 | +$2,407 | |
| 20 | $8,696 | 5.375% | — | 1 | +$5,041 |
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 | Together Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $3,655 | $7,127 | −$3,472 (−48.7%) |
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.