Purchase Originations
906
Ranked #404 nationally
Median Total Costs
$7,052
+5.6% vs national ($6,680)
↓ $930 vs prior year
Median Rate
6.433%
−0.9% vs national (6.490%)
↑ 0.058% vs prior year
Median Origination
$2,033
Median Lender Credits
$227
Cost Rank (500+ vol.)
#372
among lenders with 500+ originations
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 749 | 6.500% | $6,479 | $2,194 |
| fha | 123 | 6.125% | $11,603 | $1,595 |
| va | 34 | 6.062% | $7,471 | $1,198 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 760 | 6.375% | $7,110 | #82 |
| North Carolina | 116 | 6.500% | $6,270 | #142 |
| Ohio | 6 | 6.562% | $3,538 | — |
| Virginia | 5 | 6.625% | $7,982 | — |
| Florida | 4 | 6.625% | $7,445 | — |
| South Carolina | 4 | 6.812% | $7,856 | — |
| Georgia | 3 | 6.250% | $11,377 | — |
| Arkansas | 2 | 6.375% | $7,453 | — |
| Arizona | 2 | 5.812% | $10,457 | — |
| Massachusetts | 1 | 7.375% | $5,274 | — |
| New Mexico | 1 | 6.750% | $4,426 | — |
| Nevada | 1 | 6.000% | $9,348 | — |
| Oklahoma | 1 | 6.000% | $6,043 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,087 | 6.750% | — | 7 | −$2,965 | |
| 2 | $4,349 | 6.625% | — | 6 | −$2,703 | |
| 3 | $4,444 | 6.625% | — | 5 | −$2,608 | |
| 4 | $5,854 | 6.500% | — | 57 | −$1,198 | |
| 5 | $5,991 | 6.500% | — | 11 | −$1,061 | |
| 6 | $6,387 | 6.500% | — | 9 | −$665 | |
| 7 | $6,790 | 6.375% | — | 362 | −$262 | |
| 8 | $6,970 | 6.375% | — | 15 | −$82 | |
| 9 | $7,014 | 6.438% | — | 4 | −$38 | |
| 10 | $7,166 | 6.500% | — | 46 | +$114 | |
| 11 | $7,173 | 6.125% | — | 9 | +$121 | |
| 12 | $7,300 | 6.500% | — | 158 | +$248 | |
| 13 | $7,323 | 6.375% | — | 5 | +$271 | |
| 14 | $7,383 | 6.438% | — | 12 | +$331 | |
| 15 | $7,500 | 6.250% | — | 26 | +$448 | |
| 16 | $7,759 | 6.500% | — | 31 | +$707 | |
| 17 | $7,849 | 6.500% | — | 11 | +$797 | |
| 18 | $8,402 | 6.500% | — | 8 | +$1,350 | |
| 19 | $9,216 | 6.500% | — | 7 | +$2,164 | |
| 20 | $10,782 | 6.500% | — | 9 | +$3,730 |
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 | UNIVERSITY Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $7,052 | $7,127 | −$75 (−1.1%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.