Purchase Originations
468
Median Total Costs
$4,263
−36.2% vs national ($6,680)
↓ $102 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$925
Median Lender Credits
$806
Denial Rate
24.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 463 | 6.750% | $4,250 | $925 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 468 | 6.750% | $4,263 | #120 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,575 | 6.250% | — | 3 | −$1,688 | |
| 2 | $2,888 | 5.875% | — | 1 | −$1,375 | |
| 3 | $3,290 | 5.875% | — | 1 | −$973 | |
| 4 | $3,343 | 6.500% | — | 4 | −$920 | |
| 5 | $3,399 | 6.625% | — | 5 | −$864 | |
| 6 | $3,714 | 5.875% | — | 1 | −$549 | |
| 7 | $3,721 | 7.750% | — | 1 | −$542 | |
| 8 | $4,040 | 6.812% | — | 34 | −$223 | |
| 9 | $4,102 | 6.875% | — | 1 | −$161 | |
| 10 | $4,187 | 6.750% | — | 72 | −$76 | |
| 11 | $4,237 | 6.750% | — | 132 | −$26 | |
| 12 | $4,427 | 6.625% | — | 154 | +$164 | |
| 13 | $4,462 | 6.875% | — | 16 | +$199 | |
| 14 | $4,487 | 6.250% | — | 7 | +$224 | |
| 15 | $4,933 | 6.812% | — | 2 | +$670 | |
| 16 | $4,948 | 6.250% | — | 3 | +$685 | |
| 17 | $5,123 | 6.625% | — | 7 | +$860 | |
| 18 | $5,154 | 6.750% | — | 2 | +$891 | |
| 19 | $5,163 | 6.688% | — | 2 | +$900 | |
| 20 | $5,590 | 6.812% | — | 6 | +$1,327 |
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 | Rally Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,263 | $7,127 | −$2,864 (−40.2%) |
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.