Purchase Originations
103
Median Total Costs
$4,573
−31.5% vs national ($6,680)
↓ $28 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$700
Median Lender Credits
$171
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 60 | 6.500% | $3,599 | $700 |
| fha | 32 | 5.875% | $7,337 | $700 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 97 | 6.250% | $4,905 | #279 |
| Oklahoma | 3 | 5.875% | $3,529 | — |
| Ohio | 1 | 5.750% | $12,435 | — |
| South Carolina | 1 | 7.625% | $4,302 | — |
| Tennessee | 1 | 6.375% | $2,392 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,377 | 6.750% | — | 1 | −$2,196 | |
| 2 | $2,392 | 6.375% | — | 1 | −$2,181 | |
| 3 | $3,216 | 6.875% | — | 2 | −$1,357 | |
| 4 | $3,343 | 6.375% | — | 1 | −$1,230 | |
| 5 | $3,419 | 6.562% | — | 4 | −$1,154 | |
| 6 | $3,925 | 6.562% | — | 2 | −$648 | |
| 7 | $3,982 | 6.375% | — | 1 | −$591 | |
| 8 | $4,302 | 7.625% | — | 1 | −$271 | |
| 9 | $4,377 | 5.875% | — | 1 | −$196 | |
| 10 | $4,928 | 6.250% | — | 76 | +$355 | |
| 11 | $5,130 | 6.875% | — | 1 | +$557 | |
| 12 | $5,637 | 6.875% | — | 1 | +$1,064 | |
| 13 | $7,020 | 6.250% | — | 8 | +$2,447 | |
| 14 | $8,366 | 5.625% | — | 1 | +$3,793 | |
| 15 | $12,435 | 5.750% | — | 1 | +$7,862 | |
| 16 | $18,405 | 6.125% | — | 1 | +$13,832 |
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 | Union Square Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $205,000 | $335,000 | −$130,000 (−38.8%) |
| Median total closing costs | $4,573 | $7,127 | −$2,554 (−35.8%) |
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.