Purchase Originations
149
Median Total Costs
$5,617
−15.9% vs national ($6,680)
↓ $344 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$306
Median Lender Credits
$88
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| va | 91 | 6.250% | $3,937 | $0 |
| fha | 34 | 6.125% | $8,580 | $1,324 |
| conventional | 24 | 6.562% | $4,399 | $1,149 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 65 | 6.250% | $6,032 | #178 |
| Texas | 30 | 6.062% | $8,304 | — |
| Virginia | 15 | 6.500% | $3,937 | — |
| Georgia | 9 | 6.000% | $620 | — |
| Florida | 8 | 6.375% | $5,118 | — |
| Indiana | 6 | 6.375% | $3,799 | — |
| South Carolina | 5 | 6.625% | $4,293 | — |
| Alabama | 3 | 6.500% | $865 | — |
| Tennessee | 3 | 6.000% | $7,463 | — |
| Washington | 2 | 6.312% | $26,898 | — |
| Arizona | 1 | 6.375% | $748 | — |
| Colorado | 1 | 6.125% | $2,584 | — |
| Kentucky | 1 | 6.125% | $694 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.250% | — | 2 | −$5,617 | |
| 2 | $1,079 | 6.312% | — | 2 | −$4,538 | |
| 3 | $1,808 | 6.562% | — | 2 | −$3,809 | |
| 4 | $4,333 | 6.625% | — | 2 | −$1,284 | |
| 5 | $4,468 | 6.438% | — | 2 | −$1,149 | |
| 6 | $4,934 | 6.125% | — | 8 | −$683 | |
| 7 | $5,057 | 6.500% | — | 1 | −$560 | |
| 8 | $5,234 | 6.250% | — | 18 | −$383 | |
| 9 | $5,617 | 6.250% | — | 3 | +$0 | |
| 10 | $6,266 | 6.500% | — | 1 | +$649 | |
| 11 | $6,531 | 6.500% | — | 3 | +$914 | |
| 12 | $6,874 | 6.250% | — | 13 | +$1,257 | |
| 13 | $7,281 | 6.375% | — | 3 | +$1,664 | |
| 14 | $8,095 | 6.688% | — | 2 | +$2,478 | |
| 15 | $8,553 | 6.500% | — | 3 | +$2,936 | |
| 16 | $8,580 | 6.125% | — | 12 | +$2,963 | |
| 17 | $8,888 | 6.812% | — | 2 | +$3,271 | |
| 18 | $10,049 | 6.000% | — | 2 | +$4,432 | |
| 19 | $10,120 | 6.000% | — | 6 | +$4,503 | |
| 20 | $12,764 | 5.750% | — | 3 | +$7,147 |
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 | AAFMAA Mortgage Services LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $5,617 | $7,127 | −$1,510 (−21.2%) |
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.