Purchase Originations
286
Median Total Costs
$3,079
−53.9% vs national ($6,680)
↓ $30 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$545
Median Lender Credits
$36
Denial Rate
11.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 283 | 6.500% | $3,074 | $545 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,239 | 6.500% | — | 1 | −$840 | |
| 2 | $2,572 | 6.000% | — | 3 | −$507 | |
| 3 | $2,644 | 7.312% | — | 2 | −$435 | |
| 4 | $2,766 | 6.750% | — | 2 | −$313 | |
| 5 | $2,803 | 6.625% | — | 31 | −$276 | |
| 6 | $2,804 | 6.562% | — | 2 | −$275 | |
| 7 | $2,995 | 6.500% | — | 41 | −$84 | |
| 8 | $3,063 | 6.250% | — | 27 | −$16 | |
| 9 | $3,081 | 6.625% | — | 31 | +$2 | |
| 10 | $3,122 | 6.375% | — | 50 | +$43 | |
| 11 | $3,146 | 6.250% | — | 7 | +$67 | |
| 12 | $3,146 | 6.250% | — | 1 | +$67 | |
| 13 | $3,227 | 6.500% | — | 35 | +$148 | |
| 14 | $3,416 | 6.500% | — | 5 | +$337 | |
| 15 | $3,420 | 6.250% | — | 26 | +$341 | |
| 16 | $3,420 | 7.000% | — | 1 | +$341 | |
| 17 | $3,626 | 6.562% | — | 2 | +$547 | |
| 18 | $3,801 | 6.750% | — | 6 | +$722 | |
| 19 | $4,333 | 6.250% | — | 1 | +$1,254 | |
| 20 | $4,364 | 6.750% | — | 3 | +$1,285 |
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 | Westconsin Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,079 | $7,127 | −$4,048 (−56.8%) |
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.