Purchase Originations
128
Median Total Costs
$3,191
−52.2% vs national ($6,680)
↑ $178 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$745
Median Lender Credits
$362
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 128 | 6.500% | $3,191 | $745 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 128 | 6.500% | $3,191 | #111 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,965 | 6.000% | — | 1 | −$226 | |
| 2 | $3,000 | 6.375% | — | 7 | −$191 | |
| 3 | $3,042 | 6.500% | — | 22 | −$149 | |
| 4 | $3,044 | 6.500% | — | 46 | −$147 | |
| 5 | $3,194 | 6.375% | — | 1 | +$3 | |
| 6 | $3,313 | 6.500% | — | 44 | +$122 | |
| 7 | $3,375 | 6.750% | — | 1 | +$184 | |
| 8 | $3,484 | 6.625% | — | 1 | +$293 | |
| 9 | $3,701 | 7.125% | — | 1 | +$510 | |
| 10 | $4,108 | 6.250% | — | 1 | +$917 | |
| 11 | $4,259 | 6.250% | — | 2 | +$1,068 | |
| 12 | $5,086 | 6.375% | — | 1 | +$1,895 |
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 | Reliant Community Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $180,000 | $335,000 | −$155,000 (−46.3%) |
| Median total closing costs | $3,191 | $7,127 | −$3,936 (−55.2%) |
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.