Purchase Originations
741
Ranked #484 nationally
Median Total Costs
$14,216
+112.8% vs national ($6,680)
↑ $113 vs prior year
Median Rate
8.000%
+23.3% vs national (6.490%)
↓ 0.750% vs prior year
Median Origination
$10,362
Median Lender Credits
$47
Cost Rank (500+ vol.)
#600
among lenders with 500+ originations
Denial Rate
0.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 741 | 8.000% | $14,216 | $10,362 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 101 | 7.875% | $16,526 | #198 |
| Florida | 74 | 7.875% | $15,161 | #264 |
| New Jersey | 73 | 8.125% | $17,494 | #131 |
| Maryland | 72 | 8.125% | $14,237 | #116 |
| Texas | 71 | 8.000% | $12,911 | #313 |
| Virginia | 54 | 7.875% | $14,919 | #175 |
| Georgia | 44 | 7.938% | $13,186 | — |
| North Carolina | 30 | 8.625% | $11,959 | — |
| South Carolina | 27 | 8.125% | $12,074 | — |
| Washington | 20 | 7.875% | $16,467 | — |
| Arizona | 19 | 8.000% | $14,900 | — |
| Colorado | 19 | 8.125% | $18,045 | — |
| Nevada | 14 | 8.625% | $15,295 | — |
| Ohio | 14 | 8.312% | $10,092 | — |
| Illinois | 13 | 8.500% | $12,291 | — |
| Connecticut | 12 | 8.125% | $13,345 | — |
| Oregon | 12 | 7.688% | $16,779 | — |
| Tennessee | 10 | 7.812% | $13,694 | — |
| Pennsylvania | 9 | 7.875% | $13,239 | — |
| Louisiana | 8 | 7.875% | $10,852 | — |
| Utah | 8 | 8.375% | $12,032 | — |
| Alabama | 6 | 7.688% | $9,912 | — |
| Mississippi | 6 | 8.875% | $12,391 | — |
| Idaho | 5 | 8.000% | $11,314 | — |
| Indiana | 4 | 9.062% | $9,206 | — |
| Michigan | 3 | 7.250% | $12,001 | — |
| Minnesota | 3 | 7.500% | $11,164 | — |
| Kansas | 2 | 7.750% | $12,287 | — |
| Oklahoma | 2 | 6.562% | $31,706 | — |
| Arkansas | 1 | 7.750% | $11,983 | — |
| Delaware | 1 | 7.375% | $17,765 | — |
| Kentucky | 1 | 6.500% | $11,132 | — |
| Nebraska | 1 | 9.625% | $16,073 | — |
| New Mexico | 1 | 9.125% | $12,302 | — |
| Wisconsin | 1 | 8.375% | $9,368 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $10,678 | 8.125% | — | 13 | −$3,538 | |
| 2 | $11,758 | 9.062% | — | 10 | −$2,458 | |
| 3 | $12,278 | 7.375% | — | 7 | −$1,938 | |
| 4 | $12,982 | 8.250% | — | 18 | −$1,234 | |
| 5 | $13,937 | 8.375% | — | 17 | −$279 | |
| 6 | $13,945 | 7.688% | — | 10 | −$271 | |
| 7 | $14,592 | 7.750% | — | 8 | +$376 | |
| 8 | $14,900 | 8.000% | — | 17 | +$684 | |
| 9 | $14,910 | 8.750% | — | 13 | +$694 | |
| 10 | $15,533 | 8.125% | — | 15 | +$1,317 | |
| 11 | $16,459 | 8.062% | — | 8 | +$2,243 | |
| 12 | $16,490 | 8.125% | — | 12 | +$2,274 | |
| 13 | $16,872 | 7.250% | — | 7 | +$2,656 | |
| 14 | $17,921 | 7.562% | — | 10 | +$3,705 | |
| 15 | $18,248 | 7.688% | — | 12 | +$4,032 | |
| 16 | $18,664 | 7.375% | — | 18 | +$4,448 | |
| 17 | $19,072 | 8.000% | — | 11 | +$4,856 | |
| 18 | $19,847 | 8.000% | — | 9 | +$5,631 | |
| 19 | $19,874 | 8.000% | — | 15 | +$5,658 | |
| 20 | $21,429 | 8.250% | — | 9 | +$7,213 |
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 | All Credit Considered Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $14,216 | $7,127 | +$7,089 (+99.5%) |
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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.