Purchase Originations
218
Median Total Costs
$4,287
−35.8% vs national ($6,680)
↑ $213 vs prior year
Median Rate
5.625%
−13.3% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$950
Median Lender Credits
$1,000
Denial Rate
8.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 215 | 5.625% | $4,281 | $950 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Connecticut | 213 | 5.625% | $4,282 | #29 |
| Massachusetts | 5 | 5.125% | $4,376 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,219 | 6.250% | — | 1 | −$1,068 | |
| 2 | $3,976 | 5.688% | — | 20 | −$311 | |
| 3 | $4,100 | 5.125% | — | 1 | −$187 | |
| 4 | $4,246 | 6.312% | — | 2 | −$41 | |
| 5 | $4,248 | 5.750% | — | 10 | −$39 | |
| 6 | $4,272 | 5.562% | — | 152 | −$15 | |
| 7 | $4,541 | 5.562% | — | 20 | +$254 | |
| 8 | $4,963 | 5.875% | — | 5 | +$676 | |
| 9 | $5,075 | 5.125% | — | 1 | +$788 | |
| 10 | $6,361 | 5.750% | — | 3 | +$2,074 | |
| 11 | $6,768 | 5.000% | — | 1 | +$2,481 | |
| 12 | $8,036 | 5.125% | — | 2 | +$3,749 |
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 Eagle Financial | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $4,287 | $7,127 | −$2,840 (−39.8%) |
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.