Purchase Originations
205
Median Total Costs
$6,142
−8.1% vs national ($6,680)
↑ $372 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,595
Median Lender Credits
$117
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 205 | 6.250% | $6,142 | $3,595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Washington | 146 | 6.125% | $6,841 | #81 |
| Oregon | 59 | 6.500% | $4,852 | #90 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,714 | 6.750% | — | 3 | −$2,428 | |
| 2 | $4,636 | 6.500% | — | 7 | −$1,506 | |
| 3 | $4,830 | 6.500% | — | 33 | −$1,312 | |
| 4 | $4,906 | 6.375% | — | 19 | −$1,236 | |
| 5 | $5,046 | 6.000% | — | 15 | −$1,096 | |
| 6 | $6,832 | 6.000% | — | 13 | +$690 | |
| 7 | $6,935 | 6.125% | — | 77 | +$793 | |
| 8 | $7,147 | 6.125% | — | 37 | +$1,005 | |
| 9 | $9,414 | 6.000% | — | 1 | +$3,272 |
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 | Yakima Federal Savings and Loan Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $6,142 | $7,127 | −$985 (−13.8%) |
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.