Purchase Originations
186
Median Total Costs
$5,777
−13.5% vs national ($6,680)
↑ $515 vs prior year
Median Rate
5.688%
−12.4% vs national (6.490%)
↓ 1.062% vs prior year
Median Origination
$499
Median Lender Credits
—
Denial Rate
8.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 186 | 5.688% | $5,777 | $499 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 131 | 5.625% | $6,035 | #86 |
| Pennsylvania | 14 | 6.125% | $5,541 | — |
| New York | 8 | 5.688% | $4,719 | — |
| North Carolina | 6 | 5.000% | $3,739 | — |
| California | 5 | 5.375% | $5,655 | — |
| Delaware | 3 | 5.750% | $4,255 | — |
| Florida | 3 | 6.625% | $4,171 | — |
| Colorado | 2 | 5.625% | $3,183 | — |
| Georgia | 2 | 6.000% | $7,574 | — |
| Massachusetts | 2 | 6.688% | $4,083 | — |
| South Carolina | 2 | 6.625% | $5,240 | — |
| Connecticut | 1 | 5.750% | $5,449 | — |
| District of Columbia | 1 | 5.000% | $5,278 | — |
| Indiana | 1 | 5.875% | $2,874 | — |
| Michigan | 1 | 5.500% | $3,679 | — |
| Mississippi | 1 | 6.625% | $3,180 | — |
| Rhode Island | 1 | 5.375% | $3,690 | — |
| Tennessee | 1 | 6.125% | $4,129 | — |
| Washington | 1 | 4.750% | $13,940 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,530 | 4.875% | — | 2 | −$2,247 | |
| 2 | $3,811 | 5.812% | — | 2 | −$1,966 | |
| 3 | $4,516 | 5.562% | — | 2 | −$1,261 | |
| 4 | $5,118 | 6.062% | — | 4 | −$659 | |
| 5 | $5,292 | 6.000% | — | 4 | −$485 | |
| 6 | $5,530 | 6.375% | — | 7 | −$247 | |
| 7 | $5,654 | 5.750% | — | 8 | −$123 | |
| 8 | $5,819 | 5.250% | — | 17 | +$42 | |
| 9 | $5,977 | 5.500% | — | 26 | +$200 | |
| 10 | $6,100 | 5.750% | — | 8 | +$323 | |
| 11 | $6,109 | 5.312% | — | 10 | +$332 | |
| 12 | $6,123 | 5.375% | — | 7 | +$346 | |
| 13 | $6,194 | 6.750% | — | 3 | +$417 | |
| 14 | $6,731 | 5.938% | — | 12 | +$954 | |
| 15 | $7,071 | 5.062% | — | 6 | +$1,294 | |
| 16 | $7,107 | 5.688% | — | 2 | +$1,330 | |
| 17 | $7,790 | 5.812% | — | 2 | +$2,013 | |
| 18 | $7,830 | 5.438% | — | 8 | +$2,053 | |
| 19 | $8,559 | 5.375% | — | 2 | +$2,782 | |
| 20 | $8,588 | 5.750% | — | 5 | +$2,811 |
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 | Affinity | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $450,000 | $335,000 | +$115,000 (+34.3%) |
| Median total closing costs | $5,777 | $7,127 | −$1,350 (−18.9%) |
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.