Purchase Originations
105
Median Total Costs
$4,729
−29.2% vs national ($6,680)
↑ $148 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,334
Median Lender Credits
$760
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 105 | 6.500% | $4,729 | $1,334 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 92 | 6.500% | $4,762 | #73 |
| Washington | 12 | 7.250% | $4,342 | — |
| Arizona | 1 | 6.750% | $4,729 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,084 | 6.125% | — | 1 | −$1,645 | |
| 2 | $3,568 | 6.500% | — | 1 | −$1,161 | |
| 3 | $3,607 | 7.000% | — | 1 | −$1,122 | |
| 4 | $4,394 | 7.500% | — | 11 | −$335 | |
| 5 | $4,480 | 6.625% | — | 3 | −$249 | |
| 6 | $4,670 | 8.250% | — | 1 | −$59 | |
| 7 | $4,675 | 5.625% | — | 1 | −$54 | |
| 8 | $4,690 | 6.500% | — | 27 | −$39 | |
| 9 | $4,706 | 8.500% | — | 9 | −$23 | |
| 10 | $4,729 | 6.750% | — | 1 | +$0 | |
| 11 | $4,754 | 6.500% | — | 22 | +$25 | |
| 12 | $4,768 | 6.125% | — | 1 | +$39 | |
| 13 | $5,239 | 6.375% | — | 22 | +$510 | |
| 14 | $5,532 | 6.375% | — | 2 | +$803 | |
| 15 | $6,607 | 5.688% | — | 2 | +$1,878 |
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 | Unitus Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $4,729 | $7,127 | −$2,398 (−33.6%) |
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.