Y-12 Federal Credit Union closing costs and rates (2024)
In 2024, Y-12 Federal Credit Union originated 123 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $5,733. That is $1,008 below the national median of $6,741. Y-12 Federal Credit Union is most active in Tennessee with 123 originations there.
Purchase Originations
123
Median Total Costs
$5,733
−14.9% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$3,126
Median Lender Credits
$41
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.625% | $5,597 | $3,126 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Tennessee | 123 | 6.625% | $5,733 | #105 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,978 | 6.250% | — | 1 | −$3,755 | |
| 2 | $3,604 | 6.688% | — | 4 | −$2,129 | |
| 3 | $3,723 | 6.125% | — | 1 | −$2,010 | |
| 4 | $4,332 | 6.750% | — | 1 | −$1,401 | |
| 5 | $4,720 | 7.125% | — | 13 | −$1,013 | |
| 6 | $4,818 | 6.750% | — | 1 | −$915 | |
| 7 | $5,162 | 7.500% | — | 3 | −$571 | |
| 8 | $5,283 | 6.625% | — | 2 | −$450 | |
| 9 | $5,306 | 6.688% | — | 22 | −$427 | |
| 10 | $5,377 | 6.375% | — | 1 | −$356 | |
| 11 | $5,541 | 6.938% | — | 4 | −$192 | |
| 12 | $5,867 | 6.875% | — | 1 | +$134 | |
| 13 | $5,880 | 6.625% | — | 4 | +$147 | |
| 14 | $5,973 | 6.125% | — | 1 | +$240 | |
| 15 | $6,093 | 6.438% | — | 14 | +$360 | |
| 16 | $6,544 | 6.625% | — | 45 | +$811 | |
| 17 | $6,653 | 6.625% | — | 1 | +$920 | |
| 18 | $7,097 | 6.750% | — | 4 | +$1,364 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.