Purchase Originations
207
Median Total Costs
$5,335
−20.1% vs national ($6,680)
↓ $1,148 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$1,414
Median Lender Credits
$692
Denial Rate
8.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 177 | 6.875% | $5,058 | $1,466 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 69 | 6.875% | $5,156 | #111 |
| Florida | 38 | 6.250% | $8,211 | — |
| Missouri | 20 | 6.990% | $4,668 | — |
| New Hampshire | 20 | 6.875% | $4,603 | — |
| Colorado | 10 | 6.933% | $4,020 | — |
| Connecticut | 9 | 6.875% | $7,023 | — |
| Vermont | 9 | 6.875% | $4,531 | — |
| Pennsylvania | 8 | 6.750% | $9,164 | — |
| Maine | 6 | 6.562% | $9,945 | — |
| Rhode Island | 6 | 6.500% | $7,446 | — |
| Arizona | 5 | 6.875% | $5,563 | — |
| North Carolina | 3 | 6.990% | $4,798 | — |
| Georgia | 2 | 6.625% | $6,364 | — |
| Kansas | 1 | 6.250% | $8,952 | — |
| Virginia | 1 | 6.625% | $11,226 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,774 | 6.812% | — | 4 | −$1,561 | |
| 2 | $4,365 | 7.125% | — | 4 | −$970 | |
| 3 | $4,425 | 6.812% | — | 8 | −$910 | |
| 4 | $4,476 | 6.875% | — | 9 | −$859 | |
| 5 | $4,653 | 6.625% | — | 17 | −$682 | |
| 6 | $4,830 | 6.990% | — | 22 | −$505 | |
| 7 | $5,024 | 7.058% | — | 12 | −$311 | |
| 8 | $5,050 | 6.875% | — | 5 | −$285 | |
| 9 | $5,310 | 6.875% | — | 12 | −$25 | |
| 10 | $5,343 | 0.000% | — | 15 | +$8 | |
| 11 | $5,520 | 6.625% | — | 7 | +$185 | |
| 12 | $5,685 | 6.875% | — | 4 | +$350 | |
| 13 | $5,780 | 6.990% | — | 4 | +$445 | |
| 14 | $6,506 | 6.490% | — | 5 | +$1,171 | |
| 15 | $8,373 | 6.500% | — | 4 | +$3,038 | |
| 16 | $9,164 | 6.688% | — | 6 | +$3,829 | |
| 17 | $10,053 | 6.375% | — | 5 | +$4,718 | |
| 18 | $12,898 | 6.875% | — | 3 | +$7,563 | |
| 19 | $16,111 | 6.125% | — | 5 | +$10,776 | |
| 20 | $16,841 | 6.250% | — | 7 | +$11,506 |
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 | Amerant Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $5,335 | $7,127 | −$1,792 (−25.1%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.