Purchase Originations
1,341
Ranked #302 nationally
Median Total Costs
$14,775
+121.2% vs national ($6,680)
↓ $35 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$7,020
Median Lender Credits
$969
Cost Rank (500+ vol.)
#606
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 649 | 6.990% | $11,848 | $7,249 |
| fha | 620 | 6.500% | $17,536 | $7,160 |
| va | 61 | 6.500% | $6,712 | $1,543 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 634 | 6.875% | $16,323 | #65 |
| Florida | 260 | 6.750% | $18,267 | #136 |
| Louisiana | 67 | 6.990% | $13,303 | #70 |
| Texas | 55 | 6.500% | $15,846 | #332 |
| Wisconsin | 35 | 6.490% | $6,995 | — |
| Maryland | 27 | 6.490% | $8,880 | — |
| Michigan | 23 | 7.250% | $9,248 | — |
| South Carolina | 23 | 7.500% | $11,553 | — |
| Connecticut | 21 | 6.125% | $12,568 | — |
| Georgia | 21 | 7.000% | $14,379 | — |
| Mississippi | 15 | 7.000% | $13,689 | — |
| Ohio | 15 | 6.375% | $6,405 | — |
| Pennsylvania | 15 | 6.625% | $10,795 | — |
| Illinois | 12 | 7.562% | $8,801 | — |
| North Carolina | 12 | 7.188% | $10,703 | — |
| New Jersey | 11 | 6.625% | $16,107 | — |
| Nevada | 11 | 6.750% | $12,165 | — |
| Arkansas | 10 | 6.750% | $4,067 | — |
| Arizona | 10 | 7.433% | $12,515 | — |
| Colorado | 10 | 7.188% | $11,834 | — |
| Washington | 9 | 6.990% | $14,094 | — |
| Alabama | 8 | 7.125% | $11,738 | — |
| Idaho | 8 | 6.625% | $13,430 | — |
| Tennessee | 8 | 6.990% | $12,075 | — |
| Oregon | 7 | 6.625% | $6,057 | — |
| Virginia | 5 | 7.500% | $15,096 | — |
| Missouri | 4 | 6.375% | $3,425 | — |
| Utah | 2 | 6.808% | $6,241 | — |
| Indiana | 1 | 6.375% | $9,196 | — |
| Kansas | 1 | 6.625% | $2,915 | — |
| Kentucky | 1 | 8.125% | $11,094 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,163 | 6.375% | — | 18 | −$7,612 | |
| 2 | $8,670 | 7.125% | — | 11 | −$6,105 | |
| 3 | $9,780 | 7.000% | — | 13 | −$4,995 | |
| 4 | $10,296 | 7.000% | — | 55 | −$4,479 | |
| 5 | $10,343 | 7.250% | — | 14 | −$4,432 | |
| 6 | $11,519 | 6.625% | — | 19 | −$3,256 | |
| 7 | $13,017 | 6.875% | — | 49 | −$1,758 | |
| 8 | $13,754 | 6.990% | — | 25 | −$1,021 | |
| 9 | $14,797 | 6.625% | — | 32 | +$22 | |
| 10 | $15,009 | 6.625% | — | 42 | +$234 | |
| 11 | $15,543 | 6.500% | — | 19 | +$768 | |
| 12 | $15,636 | 6.750% | — | 14 | +$861 | |
| 13 | $17,089 | 6.750% | — | 98 | +$2,314 | |
| 14 | $17,308 | 6.990% | — | 33 | +$2,533 | |
| 15 | $17,755 | 6.750% | — | 82 | +$2,980 | |
| 16 | $17,989 | 6.875% | — | 146 | +$3,214 | |
| 17 | $18,431 | 6.500% | — | 23 | +$3,656 | |
| 18 | $19,762 | 6.562% | — | 20 | +$4,987 | |
| 19 | $20,323 | 6.750% | — | 95 | +$5,548 | |
| 20 | $23,993 | 6.438% | — | 12 | +$9,218 |
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 | Ameritrust Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $14,775 | $7,127 | +$7,648 (+107.3%) |
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.