Purchase Originations
238
Median Total Costs
$6,595
−1.3% vs national ($6,680)
↑ $166 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,645
Median Lender Credits
$350
Denial Rate
6.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 238 | 6.250% | $6,595 | $1,645 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 184 | 6.250% | $6,718 | #111 |
| New Jersey | 35 | 6.250% | $6,434 | — |
| Delaware | 10 | 6.312% | $4,786 | — |
| Maryland | 8 | 6.250% | $7,414 | — |
| Ohio | 1 | 6.250% | $7,928 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,665 | 6.188% | — | 8 | −$1,930 | |
| 2 | $5,081 | 6.375% | — | 2 | −$1,514 | |
| 3 | $5,159 | 6.250% | — | 7 | −$1,436 | |
| 4 | $5,657 | 6.125% | — | 2 | −$938 | |
| 5 | $5,668 | 6.625% | — | 2 | −$927 | |
| 6 | $5,690 | 6.375% | — | 5 | −$905 | |
| 7 | $5,847 | 6.250% | — | 27 | −$748 | |
| 8 | $6,100 | 6.438% | — | 2 | −$495 | |
| 9 | $6,230 | 6.125% | — | 7 | −$365 | |
| 10 | $6,292 | 6.438% | — | 2 | −$303 | |
| 11 | $6,393 | 6.250% | — | 19 | −$202 | |
| 12 | $6,483 | 6.125% | — | 38 | −$112 | |
| 13 | $6,907 | 6.188% | — | 2 | +$312 | |
| 14 | $7,036 | 6.125% | — | 57 | +$441 | |
| 15 | $7,330 | 5.500% | — | 3 | +$735 | |
| 16 | $7,695 | 6.188% | — | 6 | +$1,100 | |
| 17 | $7,992 | 6.250% | — | 29 | +$1,397 | |
| 18 | $8,775 | 6.000% | — | 3 | +$2,180 | |
| 19 | $9,102 | 6.250% | — | 2 | +$2,507 | |
| 20 | $9,661 | 5.750% | — | 2 | +$3,066 |
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 | Trumark Financial Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $6,595 | $7,127 | −$532 (−7.5%) |
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.