Purchase Originations
162
Median Total Costs
$4,576
−31.5% vs national ($6,680)
↑ $636 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$219
Median Lender Credits
$200
Denial Rate
14.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 162 | 6.250% | $4,576 | $219 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 91 | 6.500% | $3,842 | #129 |
| New Jersey | 61 | 6.000% | $5,935 | #140 |
| Pennsylvania | 10 | 6.500% | $3,846 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,767 | 6.250% | — | 2 | −$1,809 | |
| 2 | $3,411 | 6.625% | — | 3 | −$1,165 | |
| 3 | $3,614 | 6.500% | — | 4 | −$962 | |
| 4 | $3,636 | 6.250% | — | 5 | −$940 | |
| 5 | $3,719 | 6.500% | — | 14 | −$857 | |
| 6 | $3,904 | 6.500% | — | 51 | −$672 | |
| 7 | $3,962 | 6.500% | — | 3 | −$614 | |
| 8 | $4,049 | 6.125% | — | 4 | −$527 | |
| 9 | $4,264 | 6.125% | — | 2 | −$312 | |
| 10 | $4,409 | 6.500% | — | 4 | −$167 | |
| 11 | $4,562 | 6.312% | — | 2 | −$14 | |
| 12 | $5,102 | 6.000% | — | 3 | +$526 | |
| 13 | $5,254 | 6.125% | — | 4 | +$678 | |
| 14 | $5,498 | 6.000% | — | 1 | +$922 | |
| 15 | $5,677 | 6.000% | — | 2 | +$1,101 | |
| 16 | $5,805 | 6.000% | — | 22 | +$1,229 | |
| 17 | $6,026 | 6.000% | — | 8 | +$1,450 | |
| 18 | $6,364 | 6.000% | — | 10 | +$1,788 | |
| 19 | $6,766 | 6.000% | — | 5 | +$2,190 | |
| 20 | $6,946 | 6.000% | — | 5 | +$2,370 |
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 | Visions Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $240,000 | $335,000 | −$95,000 (−28.4%) |
| Median total closing costs | $4,576 | $7,127 | −$2,551 (−35.8%) |
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.