Purchase Originations
5,593
Ranked #86 nationally
Median Total Costs
$6,741
+0.9% vs national ($6,680)
↑ $161 vs prior year
Median Rate
9.690%
+49.3% vs national (6.490%)
↑ 0.290% vs prior year
Median Origination
$4,500
Median Lender Credits
$10
Cost Rank (500+ vol.)
#341
among lenders with 500+ originations
Denial Rate
55.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,593 | 9.690% | $6,741 | $4,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,404 | 9.720% | $7,335 | #46 |
| Florida | 735 | 9.330% | $6,849 | #61 |
| Georgia | 400 | 9.840% | $6,823 | #58 |
| South Carolina | 354 | 10.190% | $6,752 | #48 |
| Alabama | 335 | 10.090% | $6,236 | #35 |
| Louisiana | 302 | 9.910% | $6,466 | #27 |
| Mississippi | 272 | 10.550% | $6,687 | #21 |
| Oklahoma | 239 | 9.810% | $7,026 | #34 |
| Tennessee | 234 | 9.285% | $6,353 | #68 |
| North Carolina | 193 | 10.180% | $6,856 | #107 |
| Kentucky | 157 | 9.720% | $6,189 | #65 |
| New Mexico | 148 | 8.785% | $6,870 | #28 |
| Arkansas | 139 | 9.680% | $6,028 | #54 |
| New York | 91 | 9.290% | $7,151 | #128 |
| Arizona | 67 | 8.640% | $6,582 | #128 |
| Missouri | 61 | 9.400% | $5,735 | #133 |
| Virginia | 41 | 9.470% | $5,907 | — |
| Pennsylvania | 40 | 9.360% | $6,506 | — |
| Indiana | 38 | 9.850% | $5,402 | — |
| California | 37 | 8.800% | $8,475 | — |
| West Virginia | 37 | 10.000% | $6,081 | — |
| Illinois | 28 | 10.135% | $5,615 | — |
| Colorado | 23 | 8.940% | $6,494 | — |
| Ohio | 23 | 9.140% | $6,274 | — |
| Washington | 23 | 8.580% | $5,628 | — |
| Oregon | 21 | 8.990% | $6,358 | — |
| Vermont | 19 | 8.830% | $6,580 | — |
| Nevada | 15 | 9.880% | $6,404 | — |
| Michigan | 14 | 9.425% | $5,666 | — |
| Idaho | 13 | 8.960% | $7,554 | — |
| Montana | 12 | 9.435% | $6,632 | — |
| Minnesota | 10 | 9.105% | $5,771 | — |
| Utah | 10 | 8.890% | $5,917 | — |
| Maine | 9 | 9.560% | $6,251 | — |
| New Hampshire | 9 | 8.760% | $5,816 | — |
| Kansas | 8 | 10.065% | $6,122 | — |
| Iowa | 5 | 9.600% | $5,284 | — |
| Maryland | 5 | 8.320% | $5,581 | — |
| Wisconsin | 5 | 9.100% | $6,079 | — |
| Nebraska | 4 | 8.565% | $5,685 | — |
| South Dakota | 4 | 8.710% | $5,795 | — |
| New Jersey | 3 | 8.770% | $6,384 | — |
| Delaware | 2 | 10.335% | $6,619 | — |
| North Dakota | 2 | 9.930% | $5,369 | — |
| Connecticut | 1 | 8.990% | $6,612 | — |
| Wyoming | 1 | 9.810% | $3,384 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,461 | 9.915% | — | 30 | −$280 | |
| 2 | $6,506 | 9.910% | — | 27 | −$235 | |
| 3 | $6,578 | 10.025% | — | 32 | −$163 | |
| 4 | $6,598 | 8.730% | — | 23 | −$143 | |
| 5 | $6,699 | 9.770% | — | 47 | −$42 | |
| 6 | $6,751 | 9.570% | — | 44 | +$10 | |
| 7 | $6,752 | 8.820% | — | 37 | +$11 | |
| 8 | $6,927 | 8.980% | — | 29 | +$186 | |
| 9 | $6,994 | 10.410% | — | 42 | +$253 | |
| 10 | $7,061 | 9.750% | — | 30 | +$320 | |
| 11 | $7,078 | 10.870% | — | 28 | +$337 | |
| 12 | $7,090 | 9.790% | — | 27 | +$349 | |
| 13 | $7,168 | 9.370% | — | 23 | +$427 | |
| 14 | $7,169 | 10.045% | — | 30 | +$428 | |
| 15 | $7,327 | 9.240% | — | 31 | +$586 | |
| 16 | $7,362 | 9.850% | — | 28 | +$621 | |
| 17 | $7,492 | 9.230% | — | 79 | +$751 | |
| 18 | $7,682 | 10.200% | — | 25 | +$941 | |
| 19 | $8,104 | 8.925% | — | 48 | +$1,363 | |
| 20 | $8,554 | 9.165% | — | 26 | +$1,813 |
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 | 21st Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $165,000 | $335,000 | −$170,000 (−50.7%) |
| Median total closing costs | $6,741 | $7,127 | −$386 (−5.4%) |
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.