Purchase Originations
433
Median Total Costs
$4,880
−26.9% vs national ($6,680)
↓ $61 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,479
Median Lender Credits
$85
Denial Rate
1.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 429 | 6.375% | $4,887 | $2,484 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Minnesota | 409 | 6.375% | $4,909 | #33 |
| Wisconsin | 21 | 6.000% | $4,026 | — |
| North Dakota | 3 | 6.375% | $7,494 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,001 | 5.688% | — | 6 | −$879 | |
| 2 | $4,342 | 6.375% | — | 15 | −$538 | |
| 3 | $4,385 | 6.562% | — | 6 | −$495 | |
| 4 | $4,404 | 6.438% | — | 8 | −$476 | |
| 5 | $4,536 | 6.250% | — | 9 | −$344 | |
| 6 | $4,679 | 6.375% | — | 24 | −$201 | |
| 7 | $4,681 | 6.188% | — | 12 | −$199 | |
| 8 | $4,765 | 6.562% | — | 18 | −$115 | |
| 9 | $4,895 | 6.375% | — | 6 | +$15 | |
| 10 | $4,978 | 6.500% | — | 13 | +$98 | |
| 11 | $5,093 | 6.500% | — | 37 | +$213 | |
| 12 | $5,355 | 6.438% | — | 8 | +$475 | |
| 13 | $5,355 | 6.438% | — | 6 | +$475 | |
| 14 | $5,390 | 6.375% | — | 35 | +$510 | |
| 15 | $5,466 | 6.375% | — | 9 | +$586 | |
| 16 | $5,673 | 6.500% | — | 23 | +$793 | |
| 17 | $5,689 | 6.500% | — | 8 | +$809 | |
| 18 | $5,759 | 6.375% | — | 63 | +$879 | |
| 19 | $5,766 | 6.375% | — | 17 | +$886 | |
| 20 | $5,985 | 6.125% | — | 9 | +$1,105 |
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 Plus | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $4,880 | $7,127 | −$2,247 (−31.5%) |
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.