Purchase Originations
380
Median Total Costs
$8,354
+25.1% vs national ($6,680)
↓ $1,673 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,133
Median Lender Credits
$911
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 295 | 6.500% | $7,816 | $2,932 |
| fha | 78 | 6.500% | $17,691 | $4,471 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 252 | 6.500% | $8,343 | #74 |
| Connecticut | 32 | 6.375% | $11,801 | — |
| New Jersey | 24 | 6.375% | $8,674 | — |
| Maryland | 14 | 6.312% | $7,019 | — |
| Pennsylvania | 14 | 6.188% | $12,041 | — |
| Massachusetts | 12 | 6.438% | $6,063 | — |
| Florida | 10 | 6.500% | $11,907 | — |
| Texas | 5 | 6.500% | $7,508 | — |
| South Carolina | 4 | 6.938% | $7,356 | — |
| Virginia | 4 | 5.938% | $6,792 | — |
| North Carolina | 3 | 7.000% | $6,103 | — |
| Illinois | 2 | 6.125% | $5,839 | — |
| Minnesota | 2 | 7.125% | $7,774 | — |
| Maine | 1 | 6.875% | $14,710 | — |
| Rhode Island | 1 | 7.125% | $17,391 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,431 | 6.875% | — | 3 | −$2,923 | |
| 2 | $5,631 | 6.688% | — | 4 | −$2,723 | |
| 3 | $5,762 | 6.125% | — | 3 | −$2,592 | |
| 4 | $6,067 | 6.000% | — | 3 | −$2,287 | |
| 5 | $6,139 | 6.625% | — | 3 | −$2,215 | |
| 6 | $7,062 | 5.875% | — | 5 | −$1,292 | |
| 7 | $7,230 | 7.000% | — | 4 | −$1,124 | |
| 8 | $7,239 | 6.375% | — | 4 | −$1,115 | |
| 9 | $7,562 | 6.188% | — | 4 | −$792 | |
| 10 | $8,237 | 6.438% | — | 4 | −$117 | |
| 11 | $8,352 | 6.625% | — | 136 | −$2 | |
| 12 | $8,415 | 6.500% | — | 52 | +$61 | |
| 13 | $9,333 | 6.250% | — | 11 | +$979 | |
| 14 | $10,979 | 6.625% | — | 5 | +$2,625 | |
| 15 | $11,010 | 6.125% | — | 10 | +$2,656 | |
| 16 | $12,276 | 6.125% | — | 13 | +$3,922 | |
| 17 | $13,018 | 6.375% | — | 5 | +$4,664 | |
| 18 | $13,509 | 6.500% | — | 7 | +$5,155 | |
| 19 | $15,930 | 6.125% | — | 5 | +$7,576 | |
| 20 | $18,735 | 6.250% | — | 3 | +$10,381 |
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 Home Funding, Inc | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $525,000 | $335,000 | +$190,000 (+56.7%) |
| Median total closing costs | $8,354 | $7,127 | +$1,227 (+17.2%) |
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.