Purchase Originations
147
Median Total Costs
$6,235
−6.7% vs national ($6,680)
↓ $869 vs prior year
Median Rate
5.875%
−9.5% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$1,345
Median Lender Credits
$1,304
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 132 | 5.938% | $5,955 | $1,345 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 147 | 5.875% | $6,235 | #166 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,120 | 6.000% | — | 1 | −$2,115 | |
| 2 | $4,149 | 5.750% | — | 1 | −$2,086 | |
| 3 | $4,411 | 5.812% | — | 10 | −$1,824 | |
| 4 | $4,849 | 6.125% | — | 1 | −$1,386 | |
| 5 | $4,943 | 6.062% | — | 12 | −$1,292 | |
| 6 | $5,287 | 5.625% | — | 2 | −$948 | |
| 7 | $5,629 | 5.750% | — | 1 | −$606 | |
| 8 | $5,663 | 6.375% | — | 1 | −$572 | |
| 9 | $5,669 | 5.875% | — | 5 | −$566 | |
| 10 | $5,734 | 6.125% | — | 47 | −$501 | |
| 11 | $6,089 | 5.625% | — | 7 | −$146 | |
| 12 | $6,343 | 5.875% | — | 13 | +$108 | |
| 13 | $6,477 | 5.438% | — | 2 | +$242 | |
| 14 | $6,586 | 5.812% | — | 16 | +$351 | |
| 15 | $6,631 | 5.750% | — | 14 | +$396 | |
| 16 | $6,809 | 6.000% | — | 5 | +$574 | |
| 17 | $7,627 | 5.312% | — | 2 | +$1,392 | |
| 18 | $7,942 | 6.000% | — | 2 | +$1,707 | |
| 19 | $9,588 | 6.125% | — | 1 | +$3,353 | |
| 20 | $10,700 | 6.625% | — | 1 | +$4,465 |
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 | Travis Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $545,000 | $335,000 | +$210,000 (+62.7%) |
| Median total closing costs | $6,235 | $7,127 | −$892 (−12.5%) |
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.