Purchase Originations
1,550
Ranked #277 nationally
Median Total Costs
$5,457
−18.3% vs national ($6,680)
↑ $353 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,200
Median Lender Credits
$751
Cost Rank (500+ vol.)
#236
among lenders with 500+ originations
Denial Rate
6.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,436 | 6.125% | $5,430 | $1,200 |
| va | 78 | 5.875% | $4,489 | $0 |
| fha | 36 | 6.062% | $10,240 | $1,200 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 246 | 6.375% | $5,928 | #78 |
| Texas | 141 | 6.125% | $5,927 | #241 |
| California | 118 | 6.125% | $6,654 | #184 |
| Florida | 70 | 6.375% | $5,381 | #271 |
| Colorado | 68 | 6.125% | $3,507 | #137 |
| New York | 53 | 6.125% | $6,297 | #150 |
| Arizona | 48 | 6.125% | $6,673 | — |
| North Carolina | 48 | 6.188% | $4,058 | — |
| Washington | 46 | 6.125% | $4,805 | — |
| Ohio | 43 | 6.250% | $4,132 | — |
| Massachusetts | 41 | 6.125% | $5,590 | — |
| Missouri | 37 | 6.250% | $3,241 | — |
| Georgia | 36 | 6.062% | $5,247 | — |
| Pennsylvania | 36 | 6.375% | $5,248 | — |
| Nevada | 35 | 6.125% | $5,891 | — |
| Michigan | 33 | 6.125% | $4,095 | — |
| Oregon | 33 | 6.000% | $6,237 | — |
| South Carolina | 33 | 6.000% | $5,028 | — |
| Virginia | 30 | 6.062% | $4,566 | — |
| New Jersey | 29 | 6.250% | $6,291 | — |
| Tennessee | 29 | 6.250% | $4,857 | — |
| Indiana | 24 | 6.250% | $3,015 | — |
| Kansas | 21 | 6.250% | $2,687 | — |
| Utah | 20 | 5.938% | $4,948 | — |
| Kentucky | 19 | 6.250% | $4,270 | — |
| Wisconsin | 19 | 6.375% | $3,063 | — |
| Minnesota | 17 | 6.000% | $4,737 | — |
| Alabama | 14 | 6.438% | $3,255 | — |
| New Mexico | 14 | 6.125% | $4,704 | — |
| Idaho | 13 | 6.125% | $7,000 | — |
| Alaska | 11 | 6.000% | $5,933 | — |
| Hawaii | 11 | 6.125% | $8,187 | — |
| Connecticut | 10 | 6.062% | $6,390 | — |
| Maine | 10 | 5.938% | $5,868 | — |
| Montana | 10 | 6.250% | $4,896 | — |
| New Hampshire | 10 | 6.125% | $4,706 | — |
| West Virginia | 10 | 6.125% | $3,730 | — |
| Arkansas | 9 | 6.250% | $3,354 | — |
| Oklahoma | 9 | 6.125% | $4,772 | — |
| Iowa | 7 | 6.250% | $3,124 | — |
| Rhode Island | 7 | 6.375% | $5,165 | — |
| Louisiana | 6 | 6.312% | $5,537 | — |
| Mississippi | 5 | 5.750% | $6,064 | — |
| Vermont | 5 | 6.000% | $6,174 | — |
| Nebraska | 4 | 6.125% | $2,803 | — |
| District of Columbia | 3 | 6.375% | $6,143 | — |
| Delaware | 3 | 6.125% | $4,930 | — |
| South Dakota | 3 | 6.125% | $3,051 | — |
| North Dakota | 2 | 5.938% | $4,173 | — |
| Wyoming | 1 | 6.500% | $3,024 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,457 | 6.125% | — | 12 | −$2,000 | |
| 2 | $3,592 | 6.188% | — | 14 | −$1,865 | |
| 3 | $4,023 | 6.250% | — | 15 | −$1,434 | |
| 4 | $4,882 | 5.875% | — | 12 | −$575 | |
| 5 | $4,900 | 6.250% | — | 11 | −$557 | |
| 6 | $5,163 | 6.312% | — | 10 | −$294 | |
| 7 | $5,372 | 6.125% | — | 12 | −$85 | |
| 8 | $5,380 | 6.000% | — | 13 | −$77 | |
| 9 | $5,880 | 6.375% | — | 18 | +$423 | |
| 10 | $5,880 | 6.000% | — | 14 | +$423 | |
| 11 | $5,915 | 6.125% | — | 15 | +$458 | |
| 12 | $5,942 | 6.125% | — | 12 | +$485 | |
| 13 | $5,977 | 6.250% | — | 35 | +$520 | |
| 14 | $5,978 | 6.375% | — | 34 | +$521 | |
| 15 | $6,010 | 6.125% | — | 30 | +$553 | |
| 16 | $6,106 | 6.375% | — | 92 | +$649 | |
| 17 | $6,108 | 6.188% | — | 22 | +$651 | |
| 18 | $7,087 | 6.125% | — | 17 | +$1,630 | |
| 19 | $7,423 | 6.000% | — | 18 | +$1,966 | |
| 20 | $7,478 | 6.188% | — | 36 | +$2,021 |
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 | Alliant Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $485,000 | $335,000 | +$150,000 (+44.8%) |
| Median total closing costs | $5,457 | $7,127 | −$1,670 (−23.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.