Purchase Originations
1,139
Ranked #343 nationally
Median Total Costs
$6,558
−1.8% vs national ($6,680)
↑ $523 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,570
Median Lender Credits
$865
Cost Rank (500+ vol.)
#328
among lenders with 500+ originations
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,064 | 6.625% | $6,488 | $1,570 |
| fha | 52 | 6.500% | $12,212 | $1,670 |
| va | 23 | 6.375% | $13,063 | $1,670 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 1,040 | 6.625% | $6,572 | #19 |
| Indiana | 28 | 6.625% | $3,492 | — |
| Wisconsin | 21 | 6.750% | $4,367 | — |
| Florida | 13 | 6.625% | $5,183 | — |
| Michigan | 10 | 6.500% | $4,256 | — |
| Texas | 7 | 6.250% | $8,125 | — |
| California | 3 | 6.750% | $6,590 | — |
| Colorado | 3 | 6.500% | $3,925 | — |
| North Carolina | 3 | 6.875% | $5,093 | — |
| Tennessee | 3 | 5.990% | $6,848 | — |
| Iowa | 2 | 6.875% | $4,717 | — |
| Minnesota | 2 | 6.870% | $4,776 | — |
| Ohio | 2 | 6.812% | $4,940 | — |
| Arizona | 1 | 6.990% | $7,252 | — |
| Kansas | 1 | 5.750% | $13,321 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,195 | 6.625% | — | 3 | −$3,363 | |
| 2 | $3,333 | 6.750% | — | 5 | −$3,225 | |
| 3 | $3,678 | 6.688% | — | 12 | −$2,880 | |
| 4 | $3,700 | 6.500% | — | 6 | −$2,858 | |
| 5 | $4,037 | 6.625% | — | 5 | −$2,521 | |
| 6 | $4,039 | 6.375% | — | 3 | −$2,519 | |
| 7 | $4,070 | 6.750% | — | 3 | −$2,488 | |
| 8 | $4,270 | 6.500% | — | 5 | −$2,288 | |
| 9 | $4,952 | 6.433% | — | 4 | −$1,606 | |
| 10 | $5,960 | 6.875% | — | 3 | −$598 | |
| 11 | $5,978 | 6.625% | — | 5 | −$580 | |
| 12 | $6,106 | 6.933% | — | 28 | −$452 | |
| 13 | $6,134 | 6.438% | — | 16 | −$424 | |
| 14 | $6,236 | 6.625% | — | 86 | −$322 | |
| 15 | $6,294 | 6.625% | — | 39 | −$264 | |
| 16 | $6,348 | 6.625% | — | 60 | −$210 | |
| 17 | $6,658 | 6.625% | — | 781 | +$100 | |
| 18 | $6,941 | 6.683% | — | 4 | +$383 | |
| 19 | $6,991 | 6.812% | — | 8 | +$433 | |
| 20 | $7,499 | 6.875% | — | 4 | +$941 |
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 | A & N Mortgage Services, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $6,558 | $7,127 | −$569 (−8.0%) |
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.