Purchase Originations
4,218
Ranked #115 nationally
Median Total Costs
$13,659
+104.5% vs national ($6,680)
↑ $1,694 vs prior year
Median Rate
7.250%
+11.7% vs national (6.490%)
↑ 0.250% vs prior year
Median Origination
$8,640
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#594
among lenders with 500+ originations
Denial Rate
6.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,383 | 7.625% | $14,157 | $9,967 |
| fha | 653 | 6.250% | $12,532 | $3,743 |
| va | 174 | 6.250% | $10,084 | $3,458 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,340 | 6.990% | $14,364 | #30 |
| Texas | 852 | 6.750% | $11,232 | #76 |
| Florida | 579 | 8.500% | $15,792 | #81 |
| New Jersey | 154 | 8.500% | $17,933 | #76 |
| Colorado | 114 | 7.000% | $9,426 | #100 |
| Michigan | 109 | 8.750% | $12,683 | #105 |
| North Carolina | 96 | 8.750% | $12,542 | #154 |
| Oregon | 85 | 6.875% | $15,395 | #76 |
| New Mexico | 83 | 6.750% | $11,199 | #47 |
| Arizona | 78 | 8.438% | $15,093 | #116 |
| Virginia | 72 | 8.375% | $15,969 | #153 |
| Georgia | 71 | 8.750% | $13,484 | #166 |
| Tennessee | 58 | 8.500% | $13,921 | #173 |
| South Carolina | 53 | 8.750% | $13,441 | #159 |
| Washington | 38 | 6.688% | $13,449 | — |
| Illinois | 37 | 8.750% | $14,012 | — |
| Nevada | 36 | 6.990% | $12,755 | — |
| Hawaii | 35 | 7.875% | $23,529 | — |
| Maryland | 35 | 7.500% | $14,603 | — |
| Idaho | 28 | 7.125% | $13,194 | — |
| Ohio | 28 | 8.500% | $13,759 | — |
| Oklahoma | 26 | 7.688% | $11,662 | — |
| Utah | 24 | 7.688% | $14,986 | — |
| Pennsylvania | 22 | 7.250% | $15,670 | — |
| Alabama | 21 | 8.990% | $11,266 | — |
| Minnesota | 21 | 8.500% | $12,063 | — |
| Arkansas | 12 | 8.438% | $9,796 | — |
| Indiana | 12 | 8.438% | $10,907 | — |
| Kentucky | 12 | 8.438% | $14,549 | — |
| Louisiana | 11 | 8.990% | $10,517 | — |
| Connecticut | 10 | 8.438% | $19,074 | — |
| Wisconsin | 10 | 8.250% | $8,254 | — |
| Mississippi | 8 | 7.875% | $9,600 | — |
| New Hampshire | 8 | 8.812% | $13,285 | — |
| Kansas | 7 | 8.750% | $12,257 | — |
| Montana | 6 | 8.812% | $15,992 | — |
| Delaware | 5 | 8.625% | $22,768 | — |
| Nebraska | 5 | 7.375% | $8,744 | — |
| Wyoming | 5 | 7.625% | $13,682 | — |
| Rhode Island | 4 | 8.750% | $23,532 | — |
| Alaska | 2 | 8.438% | $18,007 | — |
| District of Columbia | 2 | 8.312% | $15,109 | — |
| South Dakota | 2 | 8.812% | $19,308 | — |
| Iowa | 1 | 8.990% | $23,281 | — |
| Maine | 1 | 6.375% | $11,142 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,975 | 7.000% | — | 45 | −$7,684 | |
| 2 | $7,263 | 6.500% | — | 55 | −$6,396 | |
| 3 | $8,386 | 6.875% | — | 108 | −$5,273 | |
| 4 | $9,118 | 6.875% | — | 45 | −$4,541 | |
| 5 | $10,002 | 6.500% | — | 540 | −$3,657 | |
| 6 | $10,726 | 6.500% | — | 47 | −$2,933 | |
| 7 | $10,979 | 6.688% | — | 60 | −$2,680 | |
| 8 | $11,265 | 6.500% | — | 198 | −$2,394 | |
| 9 | $11,914 | 6.875% | — | 37 | −$1,745 | |
| 10 | $12,730 | 7.250% | — | 56 | −$929 | |
| 11 | $14,538 | 7.812% | — | 44 | +$879 | |
| 12 | $14,997 | 8.250% | — | 43 | +$1,338 | |
| 13 | $15,949 | 7.990% | — | 31 | +$2,290 | |
| 14 | $16,032 | 8.750% | — | 32 | +$2,373 | |
| 15 | $18,295 | 7.933% | — | 62 | +$4,636 | |
| 16 | $18,792 | 7.438% | — | 74 | +$5,133 | |
| 17 | $19,402 | 8.375% | — | 35 | +$5,743 | |
| 18 | $21,799 | 7.250% | — | 81 | +$8,140 | |
| 19 | $23,952 | 7.250% | — | 80 | +$10,293 | |
| 20 | $25,337 | 7.125% | — | 222 | +$11,678 |
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 | Change Lending, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $380,000 | $335,000 | +$45,000 (+13.4%) |
| Median total closing costs | $13,659 | $7,127 | +$6,532 (+91.7%) |
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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.