Purchase Originations
1,168
Ranked #335 nationally
Median Total Costs
$6,803
+1.8% vs national ($6,680)
↑ $735 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.062% vs prior year
Median Origination
$1,993
Median Lender Credits
$74
Cost Rank (500+ vol.)
#346
among lenders with 500+ originations
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 858 | 6.625% | $6,078 | $1,802 |
| fha | 245 | 6.000% | $12,119 | $3,503 |
| va | 65 | 6.000% | $9,894 | $4,118 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 576 | 6.375% | $7,766 | #104 |
| North Carolina | 84 | 6.375% | $7,147 | #167 |
| Colorado | 69 | 6.500% | $8,391 | #136 |
| Oklahoma | 49 | 6.375% | $6,104 | — |
| Florida | 46 | 6.625% | $6,487 | — |
| Arizona | 43 | 6.625% | $7,274 | — |
| Louisiana | 43 | 6.375% | $5,454 | — |
| Georgia | 36 | 6.875% | $5,816 | — |
| Illinois | 30 | 6.625% | $5,850 | — |
| Michigan | 25 | 6.750% | $4,800 | — |
| California | 20 | 6.688% | $5,211 | — |
| New Jersey | 19 | 7.000% | $7,940 | — |
| Missouri | 17 | 6.875% | $4,341 | — |
| Arkansas | 14 | 6.495% | $5,555 | — |
| Nevada | 12 | 6.875% | $6,994 | — |
| Pennsylvania | 12 | 6.562% | $6,197 | — |
| Kentucky | 10 | 6.500% | $5,506 | — |
| Ohio | 10 | 6.495% | $5,509 | — |
| Mississippi | 7 | 6.875% | $5,201 | — |
| Indiana | 6 | 6.562% | $4,015 | — |
| Kansas | 6 | 6.625% | $7,990 | — |
| Tennessee | 6 | 7.438% | $5,697 | — |
| Virginia | 6 | 6.375% | $5,845 | — |
| Minnesota | 3 | 6.625% | $5,214 | — |
| Wisconsin | 3 | 6.875% | $5,193 | — |
| Alabama | 2 | 6.688% | $7,358 | — |
| Hawaii | 2 | 7.125% | $11,287 | — |
| Iowa | 2 | 6.438% | $5,725 | — |
| Massachusetts | 2 | 6.500% | $6,398 | — |
| New Mexico | 2 | 7.125% | $5,880 | — |
| South Carolina | 2 | 6.688% | $5,623 | — |
| Washington | 2 | 6.938% | $5,636 | — |
| Connecticut | 1 | 5.875% | $3,657 | — |
| Nebraska | 1 | 6.625% | $14,808 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,803 | 6.875% | — | 13 | −$2,000 | |
| 2 | $4,822 | 7.062% | — | 14 | −$1,981 | |
| 3 | $4,874 | 6.375% | — | 13 | −$1,929 | |
| 4 | $5,055 | 6.500% | — | 13 | −$1,748 | |
| 5 | $5,391 | 6.375% | — | 14 | −$1,412 | |
| 6 | $5,975 | 6.625% | — | 15 | −$828 | |
| 7 | $6,002 | 6.500% | — | 80 | −$801 | |
| 8 | $6,118 | 6.375% | — | 52 | −$685 | |
| 9 | $6,562 | 6.500% | — | 44 | −$241 | |
| 10 | $6,563 | 6.125% | — | 15 | −$240 | |
| 11 | $6,811 | 6.500% | — | 56 | +$8 | |
| 12 | $6,994 | 6.875% | — | 12 | +$191 | |
| 13 | $7,003 | 6.375% | — | 26 | +$200 | |
| 14 | $7,180 | 6.625% | — | 40 | +$377 | |
| 15 | $7,462 | 6.500% | — | 106 | +$659 | |
| 16 | $7,501 | 6.500% | — | 21 | +$698 | |
| 17 | $8,205 | 6.375% | — | 15 | +$1,402 | |
| 18 | $8,281 | 6.000% | — | 12 | +$1,478 | |
| 19 | $9,504 | 6.375% | — | 29 | +$2,701 | |
| 20 | $12,267 | 5.875% | — | 104 | +$5,464 |
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 | Aml Funding LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $6,803 | $7,127 | −$324 (−4.5%) |
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.