Purchase Originations
132
Median Total Costs
$6,268
−6.2% vs national ($6,680)
↑ $958 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$3,600
Median Lender Credits
$42
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 131 | 5.750% | $6,266 | $3,645 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,929 | 5.125% | — | 1 | −$4,339 | |
| 2 | $2,910 | 7.000% | — | 1 | −$3,358 | |
| 3 | $3,199 | 5.125% | — | 1 | −$3,069 | |
| 4 | $4,369 | 6.750% | — | 1 | −$1,899 | |
| 5 | $5,270 | 5.750% | — | 9 | −$998 | |
| 6 | $5,429 | 5.938% | — | 2 | −$839 | |
| 7 | $5,666 | 6.000% | — | 20 | −$602 | |
| 8 | $5,673 | 6.000% | — | 17 | −$595 | |
| 9 | $5,763 | 5.500% | — | 5 | −$505 | |
| 10 | $6,040 | 7.000% | — | 1 | −$228 | |
| 11 | $6,662 | 5.750% | — | 50 | +$394 | |
| 12 | $6,733 | 5.625% | — | 3 | +$465 | |
| 13 | $6,827 | 5.750% | — | 13 | +$559 | |
| 14 | $6,945 | 5.375% | — | 5 | +$677 | |
| 15 | $7,693 | 6.250% | — | 1 | +$1,425 | |
| 16 | $9,015 | 5.375% | — | 1 | +$2,747 | |
| 17 | $12,508 | 6.125% | — | 1 | +$6,240 |
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 | Topline Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $320,000 | $335,000 | −$15,000 (−4.5%) |
| Median total closing costs | $6,268 | $7,127 | −$859 (−12.1%) |
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.