Purchase Originations
116
Median Total Costs
$7,838
+17.3% vs national ($6,680)
↑ $408 vs prior year
Median Rate
6.312%
−2.7% vs national (6.490%)
↓ 0.313% vs prior year
Median Origination
$2,810
Median Lender Credits
$100
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 65 | 6.250% | $8,648 | $3,001 |
| conventional | 36 | 6.562% | $4,498 | $2,612 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,138 | 6.625% | — | 3 | −$3,700 | |
| 2 | $4,832 | 6.500% | — | 3 | −$3,006 | |
| 3 | $5,205 | 6.750% | — | 3 | −$2,633 | |
| 4 | $5,437 | 6.500% | — | 3 | −$2,401 | |
| 5 | $5,977 | 6.750% | — | 8 | −$1,861 | |
| 6 | $6,256 | 6.375% | — | 11 | −$1,582 | |
| 7 | $6,267 | 6.183% | — | 2 | −$1,571 | |
| 8 | $6,674 | 6.250% | — | 12 | −$1,164 | |
| 9 | $8,041 | 6.250% | — | 2 | +$203 | |
| 10 | $8,093 | 6.250% | — | 7 | +$255 | |
| 11 | $8,193 | 6.250% | — | 11 | +$355 | |
| 12 | $8,240 | 6.250% | — | 3 | +$402 | |
| 13 | $8,374 | 5.990% | — | 4 | +$536 | |
| 14 | $8,606 | 6.375% | — | 3 | +$768 | |
| 15 | $8,609 | 6.125% | — | 8 | +$771 | |
| 16 | $8,615 | 6.250% | — | 6 | +$777 | |
| 17 | $8,648 | 6.490% | — | 3 | +$810 | |
| 18 | $9,227 | 6.562% | — | 2 | +$1,389 | |
| 19 | $9,861 | 6.438% | — | 2 | +$2,023 | |
| 20 | $9,995 | 5.812% | — | 2 | +$2,157 |
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 | Consumer First Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $7,838 | $7,127 | +$711 (+10.0%) |
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.