Purchase Originations
1,932
Ranked #229 nationally
Median Total Costs
$3,249
−51.4% vs national ($6,680)
↑ $78 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$365
Median Lender Credits
$1,250
Cost Rank (500+ vol.)
#56
among lenders with 500+ originations
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,907 | 6.500% | $3,237 | $365 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,498 | 6.625% | — | 14 | −$751 | |
| 2 | $2,751 | 6.500% | — | 18 | −$498 | |
| 3 | $2,787 | 6.375% | — | 11 | −$462 | |
| 4 | $2,859 | 6.250% | — | 15 | −$390 | |
| 5 | $2,982 | 6.500% | — | 323 | −$267 | |
| 6 | $3,004 | 6.500% | — | 27 | −$245 | |
| 7 | $3,037 | 6.500% | — | 49 | −$212 | |
| 8 | $3,046 | 6.500% | — | 39 | −$203 | |
| 9 | $3,172 | 6.188% | — | 24 | −$77 | |
| 10 | $3,180 | 6.500% | — | 52 | −$69 | |
| 11 | $3,225 | 6.250% | — | 23 | −$24 | |
| 12 | $3,259 | 6.375% | — | 11 | +$10 | |
| 13 | $3,287 | 6.500% | — | 20 | +$38 | |
| 14 | $3,345 | 6.500% | — | 22 | +$96 | |
| 15 | $3,362 | 6.375% | — | 10 | +$113 | |
| 16 | $3,367 | 6.500% | — | 934 | +$118 | |
| 17 | $3,402 | 6.500% | — | 138 | +$153 | |
| 18 | $3,432 | 6.500% | — | 18 | +$183 | |
| 19 | $3,453 | 6.625% | — | 19 | +$204 | |
| 20 | $3,575 | 6.562% | — | 12 | +$326 |
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 Wisconsin Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $3,249 | $7,127 | −$3,878 (−54.4%) |
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.