Purchase Originations
122
Median Total Costs
$6,139
−8.1% vs national ($6,680)
↑ $406 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,589
Median Lender Credits
$42
Denial Rate
9.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 122 | 6.500% | $6,139 | $3,589 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,980 | 7.250% | — | 1 | −$3,159 | |
| 2 | $4,553 | 6.375% | — | 2 | −$1,586 | |
| 3 | $4,766 | 6.188% | — | 2 | −$1,373 | |
| 4 | $4,772 | 6.250% | — | 1 | −$1,367 | |
| 5 | $4,815 | 6.125% | — | 11 | −$1,324 | |
| 6 | $4,920 | 6.750% | — | 1 | −$1,219 | |
| 7 | $5,178 | 6.625% | — | 1 | −$961 | |
| 8 | $5,231 | 6.000% | — | 1 | −$908 | |
| 9 | $5,292 | 7.000% | — | 1 | −$847 | |
| 10 | $5,534 | 6.625% | — | 1 | −$605 | |
| 11 | $5,688 | 6.500% | — | 16 | −$451 | |
| 12 | $5,920 | 6.500% | — | 20 | −$219 | |
| 13 | $5,949 | 6.875% | — | 5 | −$190 | |
| 14 | $6,404 | 6.562% | — | 6 | +$265 | |
| 15 | $6,418 | 6.500% | — | 10 | +$279 | |
| 16 | $7,447 | 6.625% | — | 39 | +$1,308 | |
| 17 | $7,987 | 7.125% | — | 1 | +$1,848 | |
| 18 | $8,159 | 6.812% | — | 2 | +$2,020 | |
| 19 | $8,614 | 6.125% | — | 1 | +$2,475 |
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 | Y-12 Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $280,000 | $335,000 | −$55,000 (−16.4%) |
| Median total closing costs | $6,139 | $7,127 | −$988 (−13.9%) |
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.