Purchase Originations
291
Median Total Costs
$4,824
−27.8% vs national ($6,680)
↑ $1,260 vs prior year
Median Rate
5.625%
−13.3% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$1,474
Median Lender Credits
$1,200
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 291 | 5.625% | $4,824 | $1,474 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 264 | 5.625% | $4,887 | #45 |
| New Hampshire | 26 | 5.750% | $4,248 | — |
| Connecticut | 1 | 6.875% | $5,913 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,774 | 6.000% | — | 1 | −$1,050 | |
| 2 | $3,875 | 6.000% | — | 2 | −$949 | |
| 3 | $4,056 | 6.875% | — | 1 | −$768 | |
| 4 | $4,160 | 5.750% | — | 11 | −$664 | |
| 5 | $4,225 | 5.875% | — | 2 | −$599 | |
| 6 | $4,371 | 6.125% | — | 3 | −$453 | |
| 7 | $4,372 | 5.625% | — | 42 | −$452 | |
| 8 | $4,431 | 5.750% | — | 2 | −$393 | |
| 9 | $4,560 | 5.500% | — | 9 | −$264 | |
| 10 | $4,677 | 5.500% | — | 5 | −$147 | |
| 11 | $4,946 | 5.625% | — | 123 | +$122 | |
| 12 | $5,007 | 5.625% | — | 29 | +$183 | |
| 13 | $5,030 | 5.750% | — | 19 | +$206 | |
| 14 | $5,248 | 5.688% | — | 30 | +$424 | |
| 15 | $5,804 | 5.750% | — | 10 | +$980 | |
| 16 | $5,913 | 6.875% | — | 1 | +$1,089 | |
| 17 | $6,078 | 6.000% | — | 1 | +$1,254 |
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 | Workers Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $575,000 | $335,000 | +$240,000 (+71.6%) |
| Median total closing costs | $4,824 | $7,127 | −$2,303 (−32.3%) |
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.