Purchase Originations
231
Median Total Costs
$10,530
+57.6% vs national ($6,680)
↑ $246 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$3,517
Median Lender Credits
$68
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 121 | 6.990% | $7,976 | $3,910 |
| fha | 97 | 6.625% | $14,041 | $3,138 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 222 | 6.750% | $10,739 | #152 |
| Georgia | 2 | 7.062% | $9,409 | — |
| North Carolina | 2 | 7.375% | $7,195 | — |
| Missouri | 1 | 6.250% | $7,714 | — |
| Pennsylvania | 1 | 6.750% | $9,603 | — |
| Tennessee | 1 | 6.750% | $10,140 | — |
| Texas | 1 | 7.125% | $6,194 | — |
| Virginia | 1 | 6.750% | $12,973 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,748 | 2.995% | — | 2 | −$4,782 | |
| 2 | $6,055 | 7.125% | — | 3 | −$4,475 | |
| 3 | $6,554 | 6.875% | — | 7 | −$3,976 | |
| 4 | $9,037 | 6.750% | — | 17 | −$1,493 | |
| 5 | $9,569 | 6.875% | — | 3 | −$961 | |
| 6 | $9,657 | 6.625% | — | 31 | −$873 | |
| 7 | $9,753 | 6.750% | — | 7 | −$777 | |
| 8 | $10,018 | 6.375% | — | 2 | −$512 | |
| 9 | $10,394 | 7.000% | — | 9 | −$136 | |
| 10 | $10,663 | 6.938% | — | 4 | +$133 | |
| 11 | $10,954 | 6.875% | — | 5 | +$424 | |
| 12 | $11,130 | 6.875% | — | 17 | +$600 | |
| 13 | $11,345 | 6.438% | — | 2 | +$815 | |
| 14 | $12,159 | 6.625% | — | 6 | +$1,629 | |
| 15 | $13,418 | 6.750% | — | 48 | +$2,888 | |
| 16 | $13,515 | 6.750% | — | 9 | +$2,985 | |
| 17 | $14,052 | 6.875% | — | 33 | +$3,522 | |
| 18 | $15,197 | 6.875% | — | 3 | +$4,667 | |
| 19 | $15,225 | 6.750% | — | 3 | +$4,695 | |
| 20 | $15,273 | 6.625% | — | 2 | +$4,743 |
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 | American Bancshares Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $10,530 | $7,127 | +$3,403 (+47.7%) |
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.