Purchase Originations
158
Median Total Costs
$6,070
−9.1% vs national ($6,680)
↓ $339 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,687
Median Lender Credits
$366
Denial Rate
15.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 158 | 6.125% | $6,070 | $1,687 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,681 | 6.375% | — | 1 | −$2,389 | |
| 2 | $4,226 | 6.375% | — | 7 | −$1,844 | |
| 3 | $4,624 | 6.125% | — | 1 | −$1,446 | |
| 4 | $4,706 | 5.875% | — | 1 | −$1,364 | |
| 5 | $4,839 | 6.500% | — | 4 | −$1,231 | |
| 6 | $4,863 | 6.375% | — | 9 | −$1,207 | |
| 7 | $5,627 | 6.438% | — | 6 | −$443 | |
| 8 | $6,361 | 6.125% | — | 125 | +$291 | |
| 9 | $7,383 | 5.250% | — | 1 | +$1,313 | |
| 10 | $7,837 | 6.375% | — | 2 | +$1,767 | |
| 11 | $9,223 | 6.500% | — | 1 | +$3,153 |
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 | Truwest Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $6,070 | $7,127 | −$1,057 (−14.8%) |
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.