Purchase Originations
363
Median Total Costs
$7,388
+10.6% vs national ($6,680)
↓ $1,128 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$2,606
Median Lender Credits
$82
Denial Rate
2.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 201 | 6.500% | $4,918 | $1,890 |
| fha | 129 | 6.250% | $11,948 | $3,891 |
| va | 32 | 6.125% | $7,684 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 225 | 6.500% | $5,881 | #74 |
| Texas | 69 | 6.125% | $8,356 | #315 |
| Florida | 58 | 6.125% | $11,071 | #302 |
| Arizona | 5 | 6.750% | $6,911 | — |
| Wyoming | 2 | 6.058% | $5,477 | — |
| North Carolina | 1 | 6.125% | $10,278 | — |
| Nebraska | 1 | 6.875% | $3,514 | — |
| South Carolina | 1 | 5.990% | $5,411 | — |
| Tennessee | 1 | 6.500% | $16,395 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,681 | 6.812% | — | 4 | −$3,707 | |
| 2 | $3,718 | 6.625% | — | 11 | −$3,670 | |
| 3 | $3,754 | 6.490% | — | 8 | −$3,634 | |
| 4 | $3,852 | 6.625% | — | 32 | −$3,536 | |
| 5 | $3,911 | 6.490% | — | 27 | −$3,477 | |
| 6 | $4,105 | 6.562% | — | 14 | −$3,283 | |
| 7 | $4,410 | 6.750% | — | 3 | −$2,978 | |
| 8 | $6,604 | 6.625% | — | 21 | −$784 | |
| 9 | $6,939 | 6.120% | — | 12 | −$449 | |
| 10 | $7,110 | 6.990% | — | 3 | −$278 | |
| 11 | $7,405 | 6.375% | — | 12 | +$17 | |
| 12 | $7,493 | 6.625% | — | 46 | +$105 | |
| 13 | $8,270 | 6.500% | — | 21 | +$882 | |
| 14 | $8,507 | 6.125% | — | 41 | +$1,119 | |
| 15 | $8,627 | 5.875% | — | 3 | +$1,239 | |
| 16 | $9,710 | 6.125% | — | 3 | +$2,322 | |
| 17 | $9,884 | 6.000% | — | 5 | +$2,496 | |
| 18 | $10,918 | 6.375% | — | 40 | +$3,530 | |
| 19 | $11,036 | 6.375% | — | 11 | +$3,648 | |
| 20 | $13,248 | 5.990% | — | 3 | +$5,860 |
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 Liberty Mortgage, Incorporated | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,388 | $7,127 | +$261 (+3.7%) |
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.