Purchase Originations
215
Median Total Costs
$2,727
−59.2% vs national ($6,680)
↑ $708 vs prior year
Median Rate
5.500%
−15.3% vs national (6.490%)
↓ 1.000% vs prior year
Median Origination
$799
Median Lender Credits
$254
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 212 | 5.500% | $2,701 | $799 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 207 | 5.500% | $2,700 | #91 |
| Wisconsin | 2 | 6.000% | $2,749 | — |
| Indiana | 1 | 6.875% | $1,943 | — |
| Missouri | 1 | 4.375% | $4,912 | — |
| Ohio | 1 | 4.375% | $4,000 | — |
| Pennsylvania | 1 | 5.375% | $9,979 | — |
| South Carolina | 1 | 6.500% | $6,561 | — |
| Tennessee | 1 | 6.500% | $3,417 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,363 | 4.375% | — | 1 | −$364 | |
| 2 | $2,403 | 6.062% | — | 2 | −$324 | |
| 3 | $2,454 | 6.125% | — | 21 | −$273 | |
| 4 | $2,518 | 6.625% | — | 1 | −$209 | |
| 5 | $2,574 | 5.500% | — | 11 | −$153 | |
| 6 | $2,587 | 6.000% | — | 1 | −$140 | |
| 7 | $2,611 | 5.875% | — | 1 | −$116 | |
| 8 | $2,638 | 5.500% | — | 122 | −$89 | |
| 9 | $2,675 | 4.375% | — | 1 | −$52 | |
| 10 | $2,748 | 5.500% | — | 9 | +$21 | |
| 11 | $2,804 | 6.000% | — | 8 | +$77 | |
| 12 | $2,812 | 5.500% | — | 3 | +$85 | |
| 13 | $2,819 | 4.375% | — | 1 | +$92 | |
| 14 | $2,908 | 4.375% | — | 3 | +$181 | |
| 15 | $3,152 | 5.250% | — | 4 | +$425 | |
| 16 | $5,418 | 5.500% | — | 2 | +$2,691 | |
| 17 | $5,988 | 5.500% | — | 4 | +$3,261 | |
| 18 | $6,120 | 4.938% | — | 2 | +$3,393 | |
| 19 | $6,258 | 4.375% | — | 7 | +$3,531 | |
| 20 | $9,365 | 5.875% | — | 1 | +$6,638 |
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 of Illinois Community Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,727 | $7,127 | −$4,400 (−61.7%) |
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.