Purchase Originations
142
Median Total Costs
$4,891
−26.8% vs national ($6,680)
↓ $40 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,506
Median Lender Credits
$38
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 127 | 6.000% | $4,333 | $2,039 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 139 | 6.125% | $4,770 | #71 |
| Mississippi | 2 | 6.375% | $5,538 | — |
| Florida | 1 | 6.750% | $4,047 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,713 | 6.250% | — | 1 | −$2,178 | |
| 2 | $3,246 | 6.188% | — | 32 | −$1,645 | |
| 3 | $3,491 | 6.370% | — | 2 | −$1,400 | |
| 4 | $3,698 | 6.312% | — | 6 | −$1,193 | |
| 5 | $3,820 | 6.125% | — | 33 | −$1,071 | |
| 6 | $4,047 | 6.750% | — | 1 | −$844 | |
| 7 | $4,176 | 6.375% | — | 1 | −$715 | |
| 8 | $4,398 | 5.990% | — | 1 | −$493 | |
| 9 | $4,644 | 6.125% | — | 1 | −$247 | |
| 10 | $4,718 | 5.875% | — | 1 | −$173 | |
| 11 | $5,056 | 6.500% | — | 1 | +$165 | |
| 12 | $5,365 | 5.250% | — | 1 | +$474 | |
| 13 | $6,021 | 6.250% | — | 1 | +$1,130 | |
| 14 | $6,096 | 6.375% | — | 1 | +$1,205 | |
| 15 | $8,458 | 5.688% | — | 40 | +$3,567 | |
| 16 | $11,947 | 5.375% | — | 18 | +$7,056 | |
| 17 | $14,395 | 7.500% | — | 1 | +$9,504 |
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 | Avadian | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $4,891 | $7,127 | −$2,236 (−31.4%) |
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.