Purchase Originations
304
Median Total Costs
$3,420
−48.8% vs national ($6,680)
↓ $89 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$750
Median Lender Credits
$29
Denial Rate
5.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 300 | 6.500% | $3,397 | $750 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oklahoma | 145 | 6.500% | $3,780 | #57 |
| Kansas | 99 | 6.500% | $2,328 | #65 |
| Texas | 27 | 6.375% | $5,376 | — |
| Missouri | 15 | 6.375% | $2,548 | — |
| Alaska | 7 | 6.125% | $12,086 | — |
| Montana | 2 | 6.438% | $7,298 | — |
| Arkansas | 1 | 6.750% | $1,950 | — |
| Colorado | 1 | 7.000% | $3,045 | — |
| Connecticut | 1 | 6.375% | $6,771 | — |
| Illinois | 1 | 5.500% | $3,108 | — |
| North Carolina | 1 | 6.500% | $3,001 | — |
| New Jersey | 1 | 6.125% | $20,292 | — |
| Oregon | 1 | 6.875% | $4,664 | — |
| Tennessee | 1 | 6.875% | $3,284 | — |
| Washington | 1 | 6.250% | $6,045 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,157 | 6.625% | — | 3 | −$1,263 | |
| 2 | $2,261 | 6.500% | — | 62 | −$1,159 | |
| 3 | $2,320 | 6.812% | — | 2 | −$1,100 | |
| 4 | $2,389 | 6.750% | — | 6 | −$1,031 | |
| 5 | $2,432 | 6.438% | — | 4 | −$988 | |
| 6 | $2,469 | 6.375% | — | 7 | −$951 | |
| 7 | $2,671 | 6.500% | — | 9 | −$749 | |
| 8 | $3,332 | 6.500% | — | 4 | −$88 | |
| 9 | $3,724 | 6.500% | — | 97 | +$304 | |
| 10 | $3,919 | 6.375% | — | 3 | +$499 | |
| 11 | $4,019 | 6.562% | — | 6 | +$599 | |
| 12 | $4,152 | 6.000% | — | 7 | +$732 | |
| 13 | $4,278 | 6.375% | — | 17 | +$858 | |
| 14 | $4,306 | 6.500% | — | 3 | +$886 | |
| 15 | $4,864 | 6.500% | — | 3 | +$1,444 | |
| 16 | $5,102 | 6.500% | — | 3 | +$1,682 | |
| 17 | $5,308 | 6.875% | — | 3 | +$1,888 | |
| 18 | $8,141 | 6.375% | — | 13 | +$4,721 | |
| 19 | $8,200 | 6.500% | — | 2 | +$4,780 | |
| 20 | $12,223 | 6.250% | — | 6 | +$8,803 |
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 | Truity Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $250,000 | $335,000 | −$85,000 (−25.4%) |
| Median total closing costs | $3,420 | $7,127 | −$3,707 (−52.0%) |
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.