Purchase Originations
119
Median Total Costs
$19,248
+188.1% vs national ($6,680)
↓ $1,534 vs prior year
Median Rate
7.625%
+17.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$12,855
Median Lender Credits
$1,100
Denial Rate
5.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 7.625% | $19,248 | $12,855 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 93 | 7.625% | $17,655 | #236 |
| California | 11 | 6.990% | $22,690 | — |
| Texas | 5 | 7.625% | $36,640 | — |
| Georgia | 2 | 7.938% | $10,740 | — |
| Illinois | 2 | 7.433% | $17,438 | — |
| New Jersey | 2 | 7.500% | $28,521 | — |
| Nevada | 1 | 7.750% | $21,990 | — |
| Ohio | 1 | 6.375% | $18,124 | — |
| South Carolina | 1 | 7.750% | $19,858 | — |
| Washington | 1 | 6.999% | $29,975 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,072 | 7.750% | — | 1 | −$9,176 | |
| 2 | $11,841 | 7.688% | — | 2 | −$7,407 | |
| 3 | $11,848 | 7.625% | — | 3 | −$7,400 | |
| 4 | $11,940 | 8.000% | — | 1 | −$7,308 | |
| 5 | $11,972 | 7.562% | — | 4 | −$7,276 | |
| 6 | $12,788 | 7.375% | — | 3 | −$6,460 | |
| 7 | $13,985 | 7.375% | — | 1 | −$5,263 | |
| 8 | $14,366 | 8.375% | — | 3 | −$4,882 | |
| 9 | $16,833 | 7.500% | — | 9 | −$2,415 | |
| 10 | $17,157 | 6.500% | — | 1 | −$2,091 | |
| 11 | $21,117 | 6.990% | — | 5 | +$1,869 | |
| 12 | $21,318 | 7.750% | — | 27 | +$2,070 | |
| 13 | $22,690 | 6.750% | — | 1 | +$3,442 | |
| 14 | $22,848 | 7.750% | — | 27 | +$3,600 | |
| 15 | $25,043 | 9.750% | — | 1 | +$5,795 | |
| 16 | $25,660 | 8.058% | — | 4 | +$6,412 | |
| 17 | $26,597 | 8.000% | — | 2 | +$7,349 | |
| 18 | $26,903 | 6.875% | — | 1 | +$7,655 | |
| 19 | $27,400 | 8.990% | — | 1 | +$8,152 | |
| 20 | $28,912 | 8.875% | — | 1 | +$9,664 |
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 | Reliable Holdings Manager LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $505,000 | $335,000 | +$170,000 (+50.7%) |
| Median total closing costs | $19,248 | $7,127 | +$12,121 (+170.1%) |
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.