Purchase Originations
110
Median Total Costs
$2,519
−62.3% vs national ($6,680)
↑ $103 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$650
Median Lender Credits
—
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 110 | 5.750% | $2,519 | $650 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,650 | 5.750% | — | 1 | −$869 | |
| 2 | $2,241 | 5.750% | — | 1 | −$278 | |
| 3 | $2,323 | 5.750% | — | 3 | −$196 | |
| 4 | $2,340 | 5.688% | — | 2 | −$179 | |
| 5 | $2,405 | 5.750% | — | 52 | −$114 | |
| 6 | $2,477 | 5.750% | — | 3 | −$42 | |
| 7 | $2,601 | 5.625% | — | 1 | +$82 | |
| 8 | $2,613 | 5.750% | — | 25 | +$94 | |
| 9 | $2,622 | 5.750% | — | 3 | +$103 | |
| 10 | $2,643 | 5.750% | — | 2 | +$124 | |
| 11 | $2,664 | 5.495% | — | 6 | +$145 | |
| 12 | $2,784 | 5.750% | — | 1 | +$265 | |
| 13 | $2,822 | 5.750% | — | 1 | +$303 | |
| 14 | $3,247 | 5.490% | — | 1 | +$728 | |
| 15 | $3,355 | 5.625% | — | 1 | +$836 | |
| 16 | $3,434 | 5.490% | — | 1 | +$915 | |
| 17 | $3,436 | 5.750% | — | 5 | +$917 | |
| 18 | $3,964 | 5.490% | — | 1 | +$1,445 |
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 | R.I.A. Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $2,519 | $7,127 | −$4,608 (−64.7%) |
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.