Purchase Originations
104
Median Total Costs
$4,519
−32.4% vs national ($6,680)
↑ $410 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,672
Median Lender Credits
$273
Denial Rate
17.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 101 | 6.375% | $4,429 | $1,660 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 104 | 6.375% | $4,519 | #106 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,265 | 6.625% | — | 3 | −$1,254 | |
| 2 | $3,474 | 6.125% | — | 11 | −$1,045 | |
| 3 | $3,707 | 6.375% | — | 19 | −$812 | |
| 4 | $3,769 | 6.375% | — | 5 | −$750 | |
| 5 | $3,929 | 6.500% | — | 8 | −$590 | |
| 6 | $4,824 | 6.375% | — | 18 | +$305 | |
| 7 | $5,425 | 6.625% | — | 1 | +$906 | |
| 8 | $5,602 | 6.875% | — | 3 | +$1,083 | |
| 9 | $5,617 | 6.125% | — | 26 | +$1,098 | |
| 10 | $6,030 | 6.562% | — | 4 | +$1,511 | |
| 11 | $6,800 | 6.500% | — | 1 | +$2,281 | |
| 12 | $6,895 | 6.250% | — | 1 | +$2,376 | |
| 13 | $8,291 | 5.875% | — | 1 | +$3,772 | |
| 14 | $14,589 | 7.125% | — | 1 | +$10,070 | |
| 15 | $14,893 | 6.312% | — | 2 | +$10,374 |
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 | Westerra Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $640,000 | $335,000 | +$305,000 (+91.0%) |
| Median total closing costs | $4,519 | $7,127 | −$2,608 (−36.6%) |
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.