Purchase Originations
185
Median Total Costs
$3,292
−50.7% vs national ($6,680)
↑ $229 vs prior year
Median Rate
6.800%
+4.8% vs national (6.490%)
↓ 0.050% vs prior year
Median Origination
$1,750
Median Lender Credits
$52
Denial Rate
2.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 185 | 6.800% | $3,292 | $1,750 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,477 | 6.905% | — | 4 | −$815 | |
| 2 | $2,979 | 6.800% | — | 21 | −$313 | |
| 3 | $3,000 | 6.850% | — | 5 | −$292 | |
| 4 | $3,035 | 6.820% | — | 23 | −$257 | |
| 5 | $3,115 | 6.550% | — | 12 | −$177 | |
| 6 | $3,167 | 6.500% | — | 3 | −$125 | |
| 7 | $3,210 | 6.625% | — | 4 | −$82 | |
| 8 | $3,280 | 6.825% | — | 2 | −$12 | |
| 9 | $3,292 | 6.850% | — | 7 | +$0 | |
| 10 | $3,300 | 6.750% | — | 10 | +$8 | |
| 11 | $3,365 | 6.850% | — | 11 | +$73 | |
| 12 | $3,367 | 6.800% | — | 6 | +$75 | |
| 13 | $3,372 | 6.850% | — | 10 | +$80 | |
| 14 | $3,487 | 6.950% | — | 9 | +$195 | |
| 15 | $3,520 | 6.830% | — | 18 | +$228 | |
| 16 | $3,536 | 6.800% | — | 11 | +$244 | |
| 17 | $3,551 | 6.700% | — | 2 | +$259 | |
| 18 | $3,850 | 6.690% | — | 3 | +$558 | |
| 19 | $3,874 | 6.750% | — | 10 | +$582 | |
| 20 | $3,914 | 6.675% | — | 4 | +$622 |
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 | AG Credit Agricultural Credit Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,292 | $7,127 | −$3,835 (−53.8%) |
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.