Purchase Originations
313
Median Total Costs
$5,109
−23.5% vs national ($6,680)
↑ $122 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.188% vs prior year
Median Origination
$995
Median Lender Credits
$720
Denial Rate
6.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 313 | 6.000% | $5,109 | $995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 51 | 6.000% | $6,637 | #255 |
| Texas | 24 | 5.938% | $5,552 | — |
| Arizona | 17 | 6.375% | $5,310 | — |
| Florida | 15 | 6.125% | $5,926 | — |
| Tennessee | 14 | 5.938% | $3,568 | — |
| North Carolina | 13 | 6.000% | $4,110 | — |
| New Jersey | 11 | 6.375% | $5,342 | — |
| Indiana | 10 | 5.688% | $4,118 | — |
| Colorado | 9 | 6.250% | $3,072 | — |
| Georgia | 9 | 6.500% | $5,000 | — |
| Utah | 9 | 5.875% | $4,002 | — |
| Virginia | 9 | 6.125% | $5,098 | — |
| Alabama | 8 | 5.812% | $3,278 | — |
| Nevada | 7 | 5.875% | $5,406 | — |
| Washington | 7 | 6.000% | $4,720 | — |
| Missouri | 6 | 6.062% | $3,797 | — |
| Ohio | 6 | 6.000% | $4,105 | — |
| Oregon | 6 | 5.438% | $9,765 | — |
| Idaho | 5 | 6.375% | $4,443 | — |
| Kentucky | 5 | 6.000% | $3,849 | — |
| New Mexico | 5 | 6.625% | $3,881 | — |
| New York | 5 | 5.375% | $7,839 | — |
| South Carolina | 5 | 5.750% | $10,199 | — |
| Arkansas | 4 | 5.750% | $2,822 | — |
| Connecticut | 4 | 5.812% | $6,526 | — |
| Illinois | 4 | 5.938% | $6,423 | — |
| Michigan | 4 | 5.812% | $4,174 | — |
| Minnesota | 4 | 6.125% | $4,089 | — |
| Oklahoma | 4 | 5.688% | $3,916 | — |
| Pennsylvania | 4 | 6.000% | $5,588 | — |
| Wisconsin | 4 | 4.875% | $8,442 | — |
| Delaware | 3 | 6.125% | $4,263 | — |
| Louisiana | 3 | 5.375% | $6,752 | — |
| Maryland | 3 | 5.875% | $6,305 | — |
| Mississippi | 3 | 6.125% | $3,965 | — |
| Kansas | 2 | 5.875% | $7,244 | — |
| Massachusetts | 2 | 5.625% | $4,699 | — |
| Maine | 2 | 6.312% | $3,284 | — |
| New Hampshire | 2 | 6.500% | $4,921 | — |
| South Dakota | 2 | 6.000% | $3,010 | — |
| Hawaii | 1 | 4.875% | $15,075 | — |
| Nebraska | 1 | 5.875% | $2,935 | — |
| Vermont | 1 | 6.375% | $6,765 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,360 | 6.500% | — | 4 | −$1,749 | |
| 2 | $3,372 | 5.812% | — | 4 | −$1,737 | |
| 3 | $3,813 | 6.500% | — | 3 | −$1,296 | |
| 4 | $4,078 | 6.250% | — | 4 | −$1,031 | |
| 5 | $4,480 | 5.375% | — | 5 | −$629 | |
| 6 | $4,511 | 5.750% | — | 3 | −$598 | |
| 7 | $4,532 | 6.500% | — | 3 | −$577 | |
| 8 | $4,584 | 5.625% | — | 5 | −$525 | |
| 9 | $4,795 | 6.438% | — | 4 | −$314 | |
| 10 | $4,904 | 6.375% | — | 3 | −$205 | |
| 11 | $5,238 | 6.125% | — | 4 | +$129 | |
| 12 | $5,246 | 6.375% | — | 12 | +$137 | |
| 13 | $5,497 | 6.125% | — | 3 | +$388 | |
| 14 | $5,544 | 6.500% | — | 3 | +$435 | |
| 15 | $5,804 | 6.375% | — | 3 | +$695 | |
| 16 | $6,169 | 6.312% | — | 4 | +$1,060 | |
| 17 | $7,486 | 6.000% | — | 13 | +$2,377 | |
| 18 | $7,692 | 5.875% | — | 5 | +$2,583 | |
| 19 | $7,839 | 5.375% | — | 3 | +$2,730 | |
| 20 | $8,243 | 6.000% | — | 4 | +$3,134 |
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 Internet Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $5,109 | $7,127 | −$2,018 (−28.3%) |
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.