Purchase Originations
112
Median Total Costs
$8,122
+21.6% vs national ($6,680)
↑ $267 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.115% vs prior year
Median Origination
$5,019
Median Lender Credits
$1,000
Denial Rate
4.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 6.375% | $8,101 | $5,022 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 99 | 6.365% | $8,143 | #119 |
| North Carolina | 7 | 6.624% | $6,831 | — |
| Maryland | 3 | 6.125% | $9,390 | — |
| Alabama | 1 | 6.500% | $10,699 | — |
| Florida | 1 | 6.375% | $12,229 | — |
| Georgia | 1 | 6.375% | $5,919 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,857 | 6.308% | — | 2 | −$3,265 | |
| 2 | $4,948 | 6.750% | — | 1 | −$3,174 | |
| 3 | $5,919 | 6.375% | — | 1 | −$2,203 | |
| 4 | $6,036 | 6.125% | — | 1 | −$2,086 | |
| 5 | $6,538 | 6.375% | — | 1 | −$1,584 | |
| 6 | $6,608 | 6.750% | — | 1 | −$1,514 | |
| 7 | $7,727 | 6.250% | — | 25 | −$395 | |
| 8 | $7,774 | 6.625% | — | 3 | −$348 | |
| 9 | $7,833 | 6.624% | — | 1 | −$289 | |
| 10 | $8,028 | 6.308% | — | 24 | −$94 | |
| 11 | $8,576 | 6.625% | — | 2 | +$454 | |
| 12 | $8,604 | 6.438% | — | 38 | +$482 | |
| 13 | $8,871 | 6.125% | — | 1 | +$749 | |
| 14 | $9,017 | 6.750% | — | 1 | +$895 | |
| 15 | $9,383 | 6.058% | — | 4 | +$1,261 | |
| 16 | $9,390 | 6.125% | — | 1 | +$1,268 | |
| 17 | $10,699 | 6.500% | — | 1 | +$2,577 | |
| 18 | $12,229 | 6.375% | — | 1 | +$4,107 | |
| 19 | $12,642 | 5.990% | — | 1 | +$4,520 | |
| 20 | $13,780 | 6.000% | — | 1 | +$5,658 |
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 | Rev Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $8,122 | $7,127 | +$995 (+14.0%) |
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.