Purchase Originations
2,129
Ranked #211 nationally
Median Total Costs
$8,697
+30.2% vs national ($6,680)
↑ $304 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,995
Median Lender Credits
$92
Cost Rank (500+ vol.)
#485
among lenders with 500+ originations
Denial Rate
8.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,043 | 6.750% | $7,055 | $2,154 |
| fha | 919 | 6.500% | $10,299 | $1,995 |
| va | 158 | 6.250% | $10,553 | $2,055 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,585 | 6.625% | $9,114 | #40 |
| Illinois | 131 | 6.625% | $7,990 | #128 |
| Indiana | 96 | 6.625% | $5,171 | #133 |
| Virginia | 83 | 6.490% | $7,510 | #140 |
| Florida | 64 | 6.562% | $9,744 | #288 |
| Oklahoma | 43 | 6.625% | $9,001 | — |
| Missouri | 33 | 6.625% | $4,327 | — |
| Nevada | 10 | 6.375% | $11,422 | — |
| Arizona | 9 | 6.990% | $8,964 | — |
| Arkansas | 8 | 6.375% | $4,952 | — |
| Louisiana | 8 | 6.562% | $7,417 | — |
| Alabama | 7 | 6.125% | $11,338 | — |
| District of Columbia | 7 | 6.624% | $9,807 | — |
| North Carolina | 7 | 6.375% | $4,962 | — |
| Maryland | 6 | 6.875% | $5,970 | — |
| New Mexico | 6 | 6.620% | $10,487 | — |
| Michigan | 5 | 6.875% | $8,878 | — |
| Wisconsin | 4 | 6.375% | $4,208 | — |
| Colorado | 3 | 6.125% | $9,688 | — |
| Kansas | 3 | 6.125% | $6,816 | — |
| Tennessee | 3 | 6.375% | $2,845 | — |
| Ohio | 2 | 6.375% | $7,381 | — |
| South Carolina | 2 | 7.438% | $7,749 | — |
| California | 1 | 5.875% | $10,442 | — |
| Georgia | 1 | 6.375% | $4,273 | — |
| Pennsylvania | 1 | 6.125% | $4,953 | — |
| Washington | 1 | 6.500% | $3,261 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,316 | 6.562% | — | 78 | −$3,381 | |
| 2 | $6,821 | 6.625% | — | 21 | −$1,876 | |
| 3 | $7,184 | 6.625% | — | 15 | −$1,513 | |
| 4 | $8,088 | 6.624% | — | 15 | −$609 | |
| 5 | $8,113 | 6.625% | — | 24 | −$584 | |
| 6 | $8,185 | 6.750% | — | 49 | −$512 | |
| 7 | $8,257 | 6.500% | — | 21 | −$440 | |
| 8 | $8,434 | 6.625% | — | 264 | −$263 | |
| 9 | $8,714 | 6.625% | — | 139 | +$17 | |
| 10 | $8,815 | 6.500% | — | 27 | +$118 | |
| 11 | $9,076 | 6.375% | — | 129 | +$379 | |
| 12 | $9,094 | 6.625% | — | 80 | +$397 | |
| 13 | $9,118 | 6.688% | — | 26 | +$421 | |
| 14 | $9,265 | 6.625% | — | 125 | +$568 | |
| 15 | $9,351 | 6.500% | — | 412 | +$654 | |
| 16 | $9,569 | 6.500% | — | 78 | +$872 | |
| 17 | $9,871 | 6.625% | — | 27 | +$1,174 | |
| 18 | $10,021 | 6.562% | — | 24 | +$1,324 | |
| 19 | $10,076 | 6.625% | — | 33 | +$1,379 | |
| 20 | $12,362 | 6.750% | — | 39 | +$3,665 |
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 Portfolio Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $8,697 | $7,127 | +$1,570 (+22.0%) |
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.