Purchase Originations
2,287
Ranked #200 nationally
Median Total Costs
$1,955
−70.7% vs national ($6,680)
↑ $40 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$500
Median Lender Credits
$250
Cost Rank (500+ vol.)
#11
among lenders with 500+ originations
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,193 | 6.125% | $1,949 | $500 |
| va | 94 | 5.750% | $6,005 | $500 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,891 | 5.875% | — | 11 | −$64 | |
| 2 | $1,912 | 6.125% | — | 434 | −$43 | |
| 3 | $1,918 | 6.250% | — | 93 | −$37 | |
| 4 | $1,930 | 6.125% | — | 502 | −$25 | |
| 5 | $1,938 | 6.000% | — | 137 | −$17 | |
| 6 | $1,944 | 5.875% | — | 21 | −$11 | |
| 7 | $1,957 | 6.375% | — | 17 | +$2 | |
| 8 | $1,970 | 6.250% | — | 38 | +$15 | |
| 9 | $1,973 | 6.188% | — | 12 | +$18 | |
| 10 | $1,980 | 6.125% | — | 38 | +$25 | |
| 11 | $1,980 | 6.375% | — | 38 | +$25 | |
| 12 | $1,982 | 6.000% | — | 46 | +$27 | |
| 13 | $1,990 | 6.125% | — | 24 | +$35 | |
| 14 | $1,995 | 6.000% | — | 136 | +$40 | |
| 15 | $2,009 | 6.000% | — | 286 | +$54 | |
| 16 | $2,038 | 6.000% | — | 126 | +$83 | |
| 17 | $2,048 | 5.875% | — | 24 | +$93 | |
| 18 | $2,049 | 6.125% | — | 39 | +$94 | |
| 19 | $2,056 | 6.312% | — | 12 | +$101 | |
| 20 | $3,266 | 5.625% | — | 13 | +$1,311 |
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 | Veridian Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $1,955 | $7,127 | −$5,172 (−72.6%) |
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.