Purchase Originations
697
Ranked #503 nationally
Median Total Costs
$9,842
+47.3% vs national ($6,680)
↑ $506 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$6,040
Median Lender Credits
$4,000
Cost Rank (500+ vol.)
#535
among lenders with 500+ originations
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 693 | 6.750% | $9,832 | $6,045 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 401 | 6.625% | $9,842 | #95 |
| Texas | 51 | 6.625% | $9,371 | #344 |
| Nevada | 33 | 6.500% | $11,107 | — |
| Florida | 30 | 6.875% | $12,740 | — |
| Maryland | 23 | 7.000% | $11,204 | — |
| Washington | 21 | 7.125% | $7,324 | — |
| Hawaii | 20 | 6.875% | $11,826 | — |
| Virginia | 19 | 6.875% | $11,361 | — |
| Arizona | 11 | 6.875% | $9,346 | — |
| Georgia | 10 | 6.688% | $9,290 | — |
| Oregon | 8 | 7.062% | $11,553 | — |
| Oklahoma | 7 | 7.000% | $8,161 | — |
| Colorado | 6 | 6.812% | $11,894 | — |
| Illinois | 6 | 6.688% | $10,046 | — |
| Michigan | 6 | 7.125% | $8,920 | — |
| North Carolina | 6 | 6.312% | $6,451 | — |
| South Carolina | 6 | 6.812% | $8,424 | — |
| Tennessee | 6 | 6.375% | $7,752 | — |
| Indiana | 5 | 7.250% | $7,526 | — |
| Pennsylvania | 5 | 7.375% | $9,817 | — |
| Kansas | 4 | 7.125% | $9,260 | — |
| Ohio | 4 | 6.750% | $7,579 | — |
| Minnesota | 2 | 6.000% | $6,286 | — |
| Nebraska | 2 | 6.438% | $7,358 | — |
| New Jersey | 2 | 6.375% | $14,673 | — |
| New Mexico | 2 | 7.250% | $9,760 | — |
| Idaho | 1 | 5.875% | $11,212 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,613 | 6.875% | — | 18 | −$2,229 | |
| 2 | $7,754 | 6.875% | — | 12 | −$2,088 | |
| 3 | $8,334 | 7.125% | — | 7 | −$1,508 | |
| 4 | $9,014 | 6.875% | — | 7 | −$828 | |
| 5 | $9,245 | 6.500% | — | 15 | −$597 | |
| 6 | $9,268 | 6.500% | — | 13 | −$574 | |
| 7 | $9,290 | 6.688% | — | 8 | −$552 | |
| 8 | $9,346 | 6.875% | — | 9 | −$496 | |
| 9 | $9,540 | 6.500% | — | 11 | −$302 | |
| 10 | $9,959 | 6.625% | — | 191 | +$117 | |
| 11 | $10,119 | 6.625% | — | 16 | +$277 | |
| 12 | $10,292 | 6.750% | — | 14 | +$450 | |
| 13 | $10,381 | 6.438% | — | 8 | +$539 | |
| 14 | $10,535 | 7.312% | — | 12 | +$693 | |
| 15 | $11,107 | 6.500% | — | 31 | +$1,265 | |
| 16 | $11,262 | 6.812% | — | 8 | +$1,420 | |
| 17 | $11,623 | 6.750% | — | 8 | +$1,781 | |
| 18 | $12,072 | 6.750% | — | 50 | +$2,230 | |
| 19 | $12,074 | 6.750% | — | 51 | +$2,232 | |
| 20 | $12,363 | 6.875% | — | 14 | +$2,521 |
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 | Aaa Capital Investment, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $535,000 | $335,000 | +$200,000 (+59.7%) |
| Median total closing costs | $9,842 | $7,127 | +$2,715 (+38.1%) |
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.