Purchase Originations
1,053
Ranked #365 nationally
Median Total Costs
$4,017
−39.9% vs national ($6,680)
↑ $86 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$975
Median Lender Credits
$484
Cost Rank (500+ vol.)
#112
among lenders with 500+ originations
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 920 | 6.500% | $3,803 | $975 |
| fha | 103 | 6.250% | $8,190 | $1,215 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Michigan | 352 | 6.500% | $3,685 | #57 |
| North Carolina | 185 | 6.500% | $4,339 | #109 |
| Arkansas | 173 | 6.115% | $3,708 | #43 |
| Nevada | 126 | 6.308% | $5,722 | #57 |
| Indiana | 78 | 6.500% | $3,064 | #143 |
| Ohio | 54 | 6.250% | $3,338 | #183 |
| Oklahoma | 21 | 6.250% | $5,422 | — |
| Pennsylvania | 11 | 6.875% | $5,101 | — |
| South Carolina | 11 | 6.375% | $4,757 | — |
| Florida | 6 | 6.120% | $5,402 | — |
| Alabama | 5 | 6.250% | $3,927 | — |
| California | 4 | 6.308% | $5,018 | — |
| Illinois | 3 | 6.365% | $7,601 | — |
| Minnesota | 3 | 5.740% | $4,636 | — |
| Tennessee | 3 | 6.875% | $5,221 | — |
| Texas | 3 | 5.865% | $8,180 | — |
| Wisconsin | 3 | 6.750% | $3,198 | — |
| Georgia | 2 | 6.750% | $6,210 | — |
| Missouri | 2 | 6.375% | $6,078 | — |
| Colorado | 1 | 6.750% | $3,282 | — |
| Kansas | 1 | 5.875% | $3,198 | — |
| Kentucky | 1 | 6.125% | $5,478 | — |
| Massachusetts | 1 | 5.750% | $5,073 | — |
| New Mexico | 1 | 6.875% | $2,478 | — |
| Utah | 1 | 6.500% | $4,475 | — |
| Virginia | 1 | 5.865% | $4,042 | — |
| Washington | 1 | 6.750% | $4,529 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,026 | 6.500% | — | 12 | −$991 | |
| 2 | $3,059 | 6.500% | — | 47 | −$958 | |
| 3 | $3,213 | 6.250% | — | 38 | −$804 | |
| 4 | $3,551 | 5.938% | — | 26 | −$466 | |
| 5 | $3,587 | 6.375% | — | 14 | −$430 | |
| 6 | $3,600 | 6.625% | — | 219 | −$417 | |
| 7 | $3,635 | 5.870% | — | 34 | −$382 | |
| 8 | $3,679 | 6.625% | — | 13 | −$338 | |
| 9 | $3,739 | 6.375% | — | 13 | −$278 | |
| 10 | $3,743 | 6.125% | — | 84 | −$274 | |
| 11 | $3,753 | 6.245% | — | 14 | −$264 | |
| 12 | $3,771 | 6.433% | — | 38 | −$246 | |
| 13 | $3,778 | 6.375% | — | 12 | −$239 | |
| 14 | $4,033 | 6.240% | — | 19 | +$16 | |
| 15 | $4,350 | 6.625% | — | 55 | +$333 | |
| 16 | $4,373 | 6.500% | — | 59 | +$356 | |
| 17 | $5,088 | 6.750% | — | 11 | +$1,071 | |
| 18 | $5,471 | 6.375% | — | 13 | +$1,454 | |
| 19 | $5,668 | 6.240% | — | 74 | +$1,651 | |
| 20 | $7,954 | 6.625% | — | 13 | +$3,937 |
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 | United Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,017 | $7,127 | −$3,110 (−43.6%) |
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.