Purchase Originations
169
Median Total Costs
$4,137
−38.1% vs national ($6,680)
↑ $117 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,324
Median Lender Credits
$11
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 164 | 6.250% | $4,110 | $1,324 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,697 | 6.250% | — | 1 | −$1,440 | |
| 2 | $2,977 | 6.625% | — | 1 | −$1,160 | |
| 3 | $3,676 | 6.750% | — | 1 | −$461 | |
| 4 | $3,709 | 6.062% | — | 2 | −$428 | |
| 5 | $3,787 | 6.750% | — | 1 | −$350 | |
| 6 | $3,813 | 6.375% | — | 3 | −$324 | |
| 7 | $3,860 | 6.375% | — | 11 | −$277 | |
| 8 | $3,880 | 6.375% | — | 1 | −$257 | |
| 9 | $3,929 | 6.125% | — | 4 | −$208 | |
| 10 | $3,966 | 6.500% | — | 4 | −$171 | |
| 11 | $4,061 | 7.000% | — | 1 | −$76 | |
| 12 | $4,114 | 6.250% | — | 91 | −$23 | |
| 13 | $4,137 | 6.125% | — | 3 | +$0 | |
| 14 | $4,201 | 7.438% | — | 2 | +$64 | |
| 15 | $4,507 | 6.750% | — | 5 | +$370 | |
| 16 | $4,574 | 6.500% | — | 3 | +$437 | |
| 17 | $4,669 | 6.250% | — | 22 | +$532 | |
| 18 | $4,670 | 6.312% | — | 10 | +$533 | |
| 19 | $4,709 | 6.500% | — | 1 | +$572 | |
| 20 | $4,937 | 6.500% | — | 1 | +$800 |
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 | TTCU Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $4,137 | $7,127 | −$2,990 (−42.0%) |
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.