Purchase Originations
104
Median Total Costs
$3,817
−42.9% vs national ($6,680)
↑ $154 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,195
Median Lender Credits
$500
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 104 | 6.125% | $3,817 | $1,195 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,414 | 6.625% | — | 1 | −$1,403 | |
| 2 | $2,680 | 6.312% | — | 2 | −$1,137 | |
| 3 | $2,742 | 6.250% | — | 2 | −$1,075 | |
| 4 | $2,760 | 6.250% | — | 1 | −$1,057 | |
| 5 | $3,082 | 6.500% | — | 1 | −$735 | |
| 6 | $3,282 | 6.499% | — | 1 | −$535 | |
| 7 | $3,551 | 6.375% | — | 7 | −$266 | |
| 8 | $3,587 | 6.495% | — | 4 | −$230 | |
| 9 | $3,658 | 6.375% | — | 3 | −$159 | |
| 10 | $3,717 | 6.500% | — | 1 | −$100 | |
| 11 | $3,815 | 6.125% | — | 21 | −$2 | |
| 12 | $3,820 | 6.500% | — | 1 | +$3 | |
| 13 | $3,853 | 5.999% | — | 15 | +$36 | |
| 14 | $3,909 | 5.995% | — | 40 | +$92 | |
| 15 | $4,398 | 6.375% | — | 4 | +$581 |
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 | VANTAGE Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $3,817 | $7,127 | −$3,310 (−46.4%) |
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.