Purchase Originations
588
Ranked #576 nationally
Median Total Costs
$3,676
−45.0% vs national ($6,680)
↑ $420 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,295
Median Lender Credits
$35
Cost Rank (500+ vol.)
#81
among lenders with 500+ originations
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 458 | 6.500% | $3,601 | $1,295 |
| va | 62 | 6.000% | $3,720 | $899 |
| fha | 57 | 6.125% | $7,490 | $1,295 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,860 | 6.875% | — | 5 | −$816 | |
| 2 | $3,173 | 6.375% | — | 7 | −$503 | |
| 3 | $3,383 | 6.750% | — | 5 | −$293 | |
| 4 | $3,480 | 6.375% | — | 3 | −$196 | |
| 5 | $3,525 | 6.500% | — | 25 | −$151 | |
| 6 | $3,573 | 6.375% | — | 29 | −$103 | |
| 7 | $3,613 | 6.375% | — | 246 | −$63 | |
| 8 | $3,661 | 6.500% | — | 62 | −$15 | |
| 9 | $3,693 | 6.625% | — | 3 | +$17 | |
| 10 | $3,712 | 6.500% | — | 6 | +$36 | |
| 11 | $3,737 | 6.250% | — | 77 | +$61 | |
| 12 | $3,770 | 6.375% | — | 26 | +$94 | |
| 13 | $3,917 | 6.250% | — | 11 | +$241 | |
| 14 | $4,127 | 6.688% | — | 4 | +$451 | |
| 15 | $4,265 | 6.125% | — | 13 | +$589 | |
| 16 | $5,442 | 6.438% | — | 20 | +$1,766 | |
| 17 | $5,555 | 6.500% | — | 3 | +$1,879 | |
| 18 | $5,921 | 6.562% | — | 6 | +$2,245 | |
| 19 | $7,439 | 6.312% | — | 4 | +$3,763 | |
| 20 | $9,001 | 6.000% | — | 3 | +$5,325 |
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 | REDSTONE Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,676 | $7,127 | −$3,451 (−48.4%) |
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.