Purchase Originations
397
Median Total Costs
$3,779
−43.4% vs national ($6,680)
↑ $158 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$995
Median Lender Credits
$333
Denial Rate
16.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 376 | 6.750% | $3,745 | $1,071 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 317 | 6.625% | $3,710 | #77 |
| South Carolina | 58 | 6.750% | $4,950 | #155 |
| Virginia | 13 | 6.750% | $3,359 | — |
| Florida | 3 | 6.500% | $4,338 | — |
| Georgia | 3 | 6.875% | $3,875 | — |
| Tennessee | 2 | 7.000% | $4,250 | — |
| Ohio | 1 | 6.500% | $5,445 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,375 | 6.625% | — | 18 | −$404 | |
| 2 | $3,396 | 6.750% | — | 41 | −$383 | |
| 3 | $3,498 | 6.625% | — | 63 | −$281 | |
| 4 | $3,560 | 6.812% | — | 6 | −$219 | |
| 5 | $3,643 | 6.625% | — | 7 | −$136 | |
| 6 | $3,649 | 6.625% | — | 54 | −$130 | |
| 7 | $3,770 | 6.625% | — | 20 | −$9 | |
| 8 | $3,889 | 6.562% | — | 18 | +$110 | |
| 9 | $3,907 | 6.625% | — | 5 | +$128 | |
| 10 | $3,953 | 6.625% | — | 17 | +$174 | |
| 11 | $4,205 | 6.875% | — | 20 | +$426 | |
| 12 | $4,222 | 6.625% | — | 13 | +$443 | |
| 13 | $4,495 | 6.750% | — | 11 | +$716 | |
| 14 | $4,996 | 6.625% | — | 4 | +$1,217 | |
| 15 | $5,088 | 6.750% | — | 10 | +$1,309 | |
| 16 | $5,476 | 6.812% | — | 6 | +$1,697 | |
| 17 | $5,650 | 6.812% | — | 4 | +$1,871 | |
| 18 | $6,455 | 6.562% | — | 4 | +$2,676 | |
| 19 | $6,508 | 6.625% | — | 3 | +$2,729 | |
| 20 | $6,729 | 6.625% | — | 9 | +$2,950 |
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 | Truliant Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,779 | $7,127 | −$3,348 (−47.0%) |
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.