Purchase Originations
343
Median Total Costs
$3,715
−44.4% vs national ($6,680)
↓ $3,955 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$925
Median Lender Credits
$1,308
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 324 | 6.125% | $3,715 | $925 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 339 | 6.125% | $3,715 | #148 |
| New Mexico | 3 | 6.250% | $3,884 | — |
| Minnesota | 1 | 5.490% | $6,890 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,684 | 6.625% | — | 2 | −$2,031 | |
| 2 | $2,364 | 6.812% | — | 4 | −$1,351 | |
| 3 | $2,406 | 6.688% | — | 4 | −$1,309 | |
| 4 | $2,779 | 6.438% | — | 14 | −$936 | |
| 5 | $2,820 | 6.250% | — | 3 | −$895 | |
| 6 | $3,040 | 6.125% | — | 3 | −$675 | |
| 7 | $3,182 | 6.188% | — | 16 | −$533 | |
| 8 | $3,327 | 7.375% | — | 1 | −$388 | |
| 9 | $3,361 | 6.250% | — | 13 | −$354 | |
| 10 | $3,362 | 6.312% | — | 2 | −$353 | |
| 11 | $3,715 | 6.125% | — | 194 | +$0 | |
| 12 | $3,715 | 6.375% | — | 3 | +$0 | |
| 13 | $3,884 | 6.250% | — | 3 | +$169 | |
| 14 | $3,926 | 6.312% | — | 2 | +$211 | |
| 15 | $4,289 | 5.990% | — | 61 | +$574 | |
| 16 | $4,514 | 6.125% | — | 2 | +$799 | |
| 17 | $4,560 | 6.125% | — | 1 | +$845 | |
| 18 | $5,201 | 5.875% | — | 6 | +$1,486 | |
| 19 | $5,700 | 5.808% | — | 2 | +$1,985 | |
| 20 | $6,890 | 5.490% | — | 1 | +$3,175 |
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 | Alliance Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $3,715 | $7,127 | −$3,412 (−47.9%) |
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.