Purchase Originations
653
Ranked #531 nationally
Median Total Costs
$10,626
+59.1% vs national ($6,680)
↑ $185 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,982
Median Lender Credits
$228
Cost Rank (500+ vol.)
#561
among lenders with 500+ originations
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 340 | 6.625% | $13,635 | $4,896 |
| conventional | 268 | 6.750% | $6,645 | $2,939 |
| va | 39 | 6.625% | $11,468 | $5,433 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 259 | 6.625% | $9,864 | #58 |
| Pennsylvania | 177 | 6.625% | $9,838 | #116 |
| Florida | 89 | 6.625% | $13,916 | #248 |
| Virginia | 29 | 6.625% | $16,771 | — |
| Georgia | 23 | 6.625% | $11,468 | — |
| Texas | 20 | 6.625% | $9,998 | — |
| Maryland | 18 | 6.688% | $15,305 | — |
| Indiana | 15 | 6.875% | $3,793 | — |
| North Carolina | 10 | 6.812% | $10,573 | — |
| Delaware | 7 | 6.625% | $7,092 | — |
| Colorado | 3 | 6.625% | $3,302 | — |
| South Carolina | 3 | 6.750% | $19,231 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,823 | 6.750% | — | 5 | −$7,803 | |
| 2 | $7,130 | 6.688% | — | 12 | −$3,496 | |
| 3 | $7,765 | 6.500% | — | 14 | −$2,861 | |
| 4 | $8,539 | 6.500% | — | 11 | −$2,087 | |
| 5 | $8,867 | 6.562% | — | 22 | −$1,759 | |
| 6 | $9,008 | 6.625% | — | 73 | −$1,618 | |
| 7 | $9,794 | 6.500% | — | 5 | −$832 | |
| 8 | $9,857 | 6.625% | — | 75 | −$769 | |
| 9 | $9,965 | 6.625% | — | 72 | −$661 | |
| 10 | $10,227 | 6.625% | — | 40 | −$399 | |
| 11 | $11,354 | 6.312% | — | 12 | +$728 | |
| 12 | $11,743 | 6.688% | — | 6 | +$1,117 | |
| 13 | $11,830 | 6.500% | — | 9 | +$1,204 | |
| 14 | $12,215 | 6.688% | — | 22 | +$1,589 | |
| 15 | $12,694 | 6.688% | — | 16 | +$2,068 | |
| 16 | $15,224 | 7.058% | — | 6 | +$4,598 | |
| 17 | $15,282 | 6.625% | — | 19 | +$4,656 | |
| 18 | $15,827 | 7.125% | — | 34 | +$5,201 | |
| 19 | $16,663 | 6.625% | — | 6 | +$6,037 | |
| 20 | $21,002 | 6.438% | — | 6 | +$10,376 |
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 | Acre Mortgage & Financial, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $10,626 | $7,127 | +$3,499 (+49.1%) |
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.