Purchase Originations
214
Median Total Costs
$4,095
−38.7% vs national ($6,680)
↑ $143 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,995
Median Lender Credits
$494
Denial Rate
2.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 214 | 6.250% | $4,095 | $1,995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 185 | 6.250% | $4,068 | #92 |
| California | 7 | 6.490% | $4,852 | — |
| New Jersey | 7 | 6.250% | $6,144 | — |
| Massachusetts | 2 | 6.120% | $6,913 | — |
| Colorado | 1 | 6.125% | $3,332 | — |
| Connecticut | 1 | 6.490% | $5,344 | — |
| District of Columbia | 1 | 6.375% | $3,510 | — |
| Florida | 1 | 5.875% | $31,079 | — |
| Georgia | 1 | 6.375% | $4,001 | — |
| Indiana | 1 | 6.125% | $5,359 | — |
| Maryland | 1 | 6.490% | $4,294 | — |
| Ohio | 1 | 6.490% | $3,869 | — |
| Oregon | 1 | 6.250% | $3,639 | — |
| Pennsylvania | 1 | 5.625% | $3,862 | — |
| Texas | 1 | 6.990% | $4,962 | — |
| Washington | 1 | 6.125% | $3,458 | — |
| Wisconsin | 1 | 5.375% | $7,184 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,332 | 6.125% | — | 1 | −$763 | |
| 2 | $3,510 | 6.375% | — | 1 | −$585 | |
| 3 | $3,518 | 6.125% | — | 4 | −$577 | |
| 4 | $3,699 | 6.500% | — | 30 | −$396 | |
| 5 | $3,802 | 6.490% | — | 1 | −$293 | |
| 6 | $3,905 | 6.375% | — | 52 | −$190 | |
| 7 | $4,114 | 6.250% | — | 48 | +$19 | |
| 8 | $4,123 | 6.125% | — | 39 | +$28 | |
| 9 | $4,144 | 6.125% | — | 3 | +$49 | |
| 10 | $4,203 | 6.750% | — | 1 | +$108 | |
| 11 | $4,294 | 6.490% | — | 1 | +$199 | |
| 12 | $4,574 | 6.490% | — | 1 | +$479 | |
| 13 | $4,708 | 6.312% | — | 2 | +$613 | |
| 14 | $4,886 | 6.125% | — | 3 | +$791 | |
| 15 | $5,344 | 6.490% | — | 1 | +$1,249 | |
| 16 | $5,359 | 6.125% | — | 1 | +$1,264 | |
| 17 | $5,869 | 6.308% | — | 2 | +$1,774 | |
| 18 | $5,871 | 6.240% | — | 2 | +$1,776 | |
| 19 | $6,057 | 6.250% | — | 2 | +$1,962 | |
| 20 | $9,283 | 6.250% | — | 1 | +$5,188 |
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 | Amalgamated Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $4,095 | $7,127 | −$3,032 (−42.5%) |
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.