Purchase Originations
148
Median Total Costs
$7,143
+6.9% vs national ($6,680)
↑ $68 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$4,590
Median Lender Credits
$500
Denial Rate
7.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 143 | 6.500% | $6,944 | $4,595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 148 | 6.500% | $7,143 | #42 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,856 | 6.125% | — | 1 | −$4,287 | |
| 2 | $2,984 | 6.375% | — | 1 | −$4,159 | |
| 3 | $3,413 | 6.875% | — | 1 | −$3,730 | |
| 4 | $4,737 | 5.875% | — | 3 | −$2,406 | |
| 5 | $6,089 | 6.500% | — | 1 | −$1,054 | |
| 6 | $6,761 | 7.000% | — | 3 | −$382 | |
| 7 | $6,830 | 6.500% | — | 8 | −$313 | |
| 8 | $6,974 | 6.500% | — | 98 | −$169 | |
| 9 | $7,990 | 6.375% | — | 5 | +$847 | |
| 10 | $8,372 | 6.375% | — | 3 | +$1,229 | |
| 11 | $9,063 | 6.250% | — | 3 | +$1,920 | |
| 12 | $10,065 | 6.500% | — | 3 | +$2,922 | |
| 13 | $10,229 | 6.625% | — | 16 | +$3,086 | |
| 14 | $12,590 | 6.500% | — | 1 | +$5,447 | |
| 15 | $21,300 | 6.500% | — | 1 | +$14,157 |
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 | Utah Community Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $420,000 | $335,000 | +$85,000 (+25.4%) |
| Median total closing costs | $7,143 | $7,127 | +$16 (+0.2%) |
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.