Purchase Originations
602
Ranked #566 nationally
Median Total Costs
$5,559
−16.8% vs national ($6,680)
↓ $112 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,607
Median Lender Credits
$743
Cost Rank (500+ vol.)
#241
among lenders with 500+ originations
Denial Rate
3.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 393 | 6.750% | $5,245 | $2,510 |
| fha | 149 | 6.625% | $6,725 | $0 |
| va | 30 | 6.438% | $5,308 | $0 |
| usda | 30 | 6.500% | $3,959 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 343 | 6.750% | $5,182 | #69 |
| Pennsylvania | 103 | 6.625% | $5,960 | #159 |
| New York | 30 | 6.500% | $11,149 | — |
| Alabama | 28 | 6.500% | $5,220 | — |
| North Carolina | 23 | 6.375% | $5,683 | — |
| Florida | 16 | 6.500% | $7,718 | — |
| Tennessee | 13 | 6.625% | $3,489 | — |
| South Carolina | 10 | 6.625% | $4,992 | — |
| Georgia | 8 | 6.625% | $5,259 | — |
| Maryland | 5 | 6.500% | $10,473 | — |
| Texas | 4 | 6.625% | $7,631 | — |
| Connecticut | 2 | 6.438% | $17,680 | — |
| Illinois | 2 | 6.812% | $5,523 | — |
| Indiana | 2 | 6.000% | $8,493 | — |
| Louisiana | 2 | 6.245% | $7,350 | — |
| New Jersey | 2 | 6.438% | $13,938 | — |
| Arkansas | 1 | 6.750% | $3,442 | — |
| California | 1 | 7.375% | $10,298 | — |
| Colorado | 1 | 6.000% | $25,603 | — |
| Kentucky | 1 | 7.500% | $1,453 | — |
| Massachusetts | 1 | 6.500% | $14,497 | — |
| Michigan | 1 | 5.375% | $12,206 | — |
| Minnesota | 1 | 6.990% | $2,134 | — |
| Virginia | 1 | 6.125% | $14,922 | — |
| Washington | 1 | 5.875% | $1,373 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,734 | 6.750% | — | 17 | −$2,825 | |
| 2 | $2,937 | 6.990% | — | 3 | −$2,622 | |
| 3 | $2,984 | 6.812% | — | 6 | −$2,575 | |
| 4 | $3,490 | 6.990% | — | 3 | −$2,069 | |
| 5 | $3,819 | 6.562% | — | 12 | −$1,740 | |
| 6 | $3,870 | 6.875% | — | 5 | −$1,689 | |
| 7 | $4,587 | 6.750% | — | 11 | −$972 | |
| 8 | $4,867 | 6.812% | — | 4 | −$692 | |
| 9 | $4,923 | 6.875% | — | 35 | −$636 | |
| 10 | $5,082 | 6.750% | — | 196 | −$477 | |
| 11 | $5,155 | 6.812% | — | 8 | −$404 | |
| 12 | $5,529 | 6.375% | — | 19 | −$30 | |
| 13 | $5,601 | 6.500% | — | 54 | +$42 | |
| 14 | $6,073 | 6.688% | — | 16 | +$514 | |
| 15 | $6,113 | 6.750% | — | 3 | +$554 | |
| 16 | $6,299 | 6.625% | — | 10 | +$740 | |
| 17 | $6,405 | 6.500% | — | 14 | +$846 | |
| 18 | $6,908 | 6.750% | — | 17 | +$1,349 | |
| 19 | $9,126 | 6.625% | — | 10 | +$3,567 | |
| 20 | $22,467 | 6.250% | — | 8 | +$16,908 |
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 | Reliance First Capital, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $5,559 | $7,127 | −$1,568 (−22.0%) |
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.