Purchase Originations
1,835
Ranked #243 nationally
Median Total Costs
$3,776
−43.5% vs national ($6,680)
↑ $29 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$150
Median Lender Credits
$332
Cost Rank (500+ vol.)
#88
among lenders with 500+ originations
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,694 | 6.000% | $3,744 | $159 |
| fha | 69 | 6.250% | $7,233 | $0 |
| va | 69 | 6.250% | $3,438 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 1,775 | 6.125% | $3,776 | #14 |
| Kentucky | 18 | 5.750% | $3,692 | — |
| Indiana | 7 | 6.125% | $2,354 | — |
| Michigan | 6 | 6.062% | $3,897 | — |
| Tennessee | 6 | 6.312% | $4,169 | — |
| Florida | 5 | 6.500% | $6,099 | — |
| Texas | 4 | 6.375% | $4,587 | — |
| Georgia | 2 | 6.312% | $4,393 | — |
| Illinois | 2 | 6.000% | $2,769 | — |
| South Carolina | 2 | 5.625% | $3,688 | — |
| Arizona | 1 | 6.875% | $6,685 | — |
| Louisiana | 1 | 6.250% | $6,454 | — |
| Maryland | 1 | 6.250% | $10,129 | — |
| North Carolina | 1 | 6.250% | $10,019 | — |
| Nebraska | 1 | 6.250% | $3,346 | — |
| New Mexico | 1 | 6.125% | $5,853 | — |
| Virginia | 1 | 6.250% | $17,638 | — |
| West Virginia | 1 | 5.500% | $4,349 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,927 | 6.000% | — | 7 | −$849 | |
| 2 | $3,460 | 6.250% | — | 21 | −$316 | |
| 3 | $3,565 | 6.250% | — | 113 | −$211 | |
| 4 | $3,624 | 6.125% | — | 618 | −$152 | |
| 5 | $3,671 | 6.375% | — | 7 | −$105 | |
| 6 | $3,676 | 6.000% | — | 44 | −$100 | |
| 7 | $3,716 | 5.875% | — | 14 | −$60 | |
| 8 | $3,757 | 6.125% | — | 24 | −$19 | |
| 9 | $3,778 | 5.875% | — | 39 | +$2 | |
| 10 | $3,802 | 6.125% | — | 135 | +$26 | |
| 11 | $3,802 | 6.250% | — | 17 | +$26 | |
| 12 | $3,818 | 6.000% | — | 250 | +$42 | |
| 13 | $3,837 | 5.750% | — | 7 | +$61 | |
| 14 | $3,841 | 6.250% | — | 24 | +$65 | |
| 15 | $3,915 | 6.375% | — | 12 | +$139 | |
| 16 | $4,030 | 5.875% | — | 182 | +$254 | |
| 17 | $4,089 | 6.125% | — | 21 | +$313 | |
| 18 | $4,148 | 5.750% | — | 109 | +$372 | |
| 19 | $4,460 | 5.750% | — | 48 | +$684 | |
| 20 | $4,495 | 6.125% | — | 15 | +$719 |
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 | Wright-Patt Credit Union, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,776 | $7,127 | −$3,351 (−47.0%) |
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.