Purchase Originations
158
Median Total Costs
$5,373
−19.6% vs national ($6,680)
↓ $703 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$994
Median Lender Credits
$470
Denial Rate
8.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 158 | 6.000% | $5,373 | $994 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 152 | 6.000% | $5,274 | #165 |
| Texas | 3 | 5.875% | $8,210 | — |
| Illinois | 1 | 5.750% | $6,189 | — |
| Indiana | 1 | 4.250% | $15,577 | — |
| Tennessee | 1 | 6.375% | $3,866 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,755 | 5.500% | — | 3 | −$1,618 | |
| 2 | $3,866 | 6.375% | — | 1 | −$1,507 | |
| 3 | $4,212 | 6.125% | — | 8 | −$1,161 | |
| 4 | $4,535 | 6.375% | — | 2 | −$838 | |
| 5 | $4,813 | 6.000% | — | 114 | −$560 | |
| 6 | $5,400 | 5.750% | — | 1 | +$27 | |
| 7 | $6,030 | 6.500% | — | 1 | +$657 | |
| 8 | $6,189 | 5.750% | — | 1 | +$816 | |
| 9 | $6,317 | 5.500% | — | 1 | +$944 | |
| 10 | $6,875 | 5.750% | — | 1 | +$1,502 | |
| 11 | $7,029 | 5.375% | — | 1 | +$1,656 | |
| 12 | $7,501 | 5.750% | — | 1 | +$2,128 | |
| 13 | $8,210 | 6.000% | — | 1 | +$2,837 | |
| 14 | $8,939 | 4.250% | — | 1 | +$3,566 | |
| 15 | $9,457 | 6.375% | — | 5 | +$4,084 | |
| 16 | $9,530 | 6.312% | — | 2 | +$4,157 | |
| 17 | $15,577 | 4.250% | — | 1 | +$10,204 | |
| 18 | $18,312 | 6.000% | — | 2 | +$12,939 | |
| 19 | $18,774 | 4.750% | — | 1 | +$13,401 | |
| 20 | $19,068 | 6.375% | — | 9 | +$13,695 |
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 | Valley Strong Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $5,373 | $7,127 | −$1,754 (−24.6%) |
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.