Purchase Originations
119
Median Total Costs
$5,915
−11.4% vs national ($6,680)
↓ $31 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,461
Median Lender Credits
$1,000
Denial Rate
9.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 61 | 6.375% | $4,753 | $1,661 |
| fha | 33 | 6.125% | $8,475 | $1,550 |
| va | 24 | 6.188% | $4,767 | $927 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,660 | 6.938% | — | 2 | −$4,255 | |
| 2 | $2,381 | 6.625% | — | 1 | −$3,534 | |
| 3 | $3,100 | 6.250% | — | 3 | −$2,815 | |
| 4 | $3,810 | 6.438% | — | 2 | −$2,105 | |
| 5 | $4,029 | 5.875% | — | 1 | −$1,886 | |
| 6 | $4,664 | 6.500% | — | 7 | −$1,251 | |
| 7 | $4,683 | 6.500% | — | 1 | −$1,232 | |
| 8 | $4,688 | 6.500% | — | 1 | −$1,227 | |
| 9 | $4,710 | 6.000% | — | 1 | −$1,205 | |
| 10 | $5,148 | 5.875% | — | 8 | −$767 | |
| 11 | $5,279 | 6.125% | — | 6 | −$636 | |
| 12 | $5,882 | 6.125% | — | 1 | −$33 | |
| 13 | $6,074 | 6.000% | — | 1 | +$159 | |
| 14 | $6,262 | 6.250% | — | 2 | +$347 | |
| 15 | $6,724 | 5.938% | — | 2 | +$809 | |
| 16 | $6,801 | 6.250% | — | 68 | +$886 | |
| 17 | $7,954 | 6.250% | — | 4 | +$2,039 | |
| 18 | $8,858 | 6.000% | — | 3 | +$2,943 | |
| 19 | $9,261 | 6.000% | — | 1 | +$3,346 | |
| 20 | $10,536 | 5.625% | — | 1 | +$4,621 |
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 | Tyndall Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $5,915 | $7,127 | −$1,212 (−17.0%) |
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.