Purchase Originations
1,044
Ranked #366 nationally
Median Total Costs
$6,549
−2.0% vs national ($6,680)
↓ $1,454 vs prior year
Median Rate
6.875%
+5.9% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,000
Median Lender Credits
$358
Cost Rank (500+ vol.)
#326
among lenders with 500+ originations
Denial Rate
29.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 406 | 6.990% | $8,667 | $2,530 |
| conventional | 388 | 6.750% | $5,116 | $1,690 |
| usda | 224 | 7.000% | $6,094 | $1,985 |
| va | 26 | 7.125% | $9,373 | $4,208 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Illinois | 213 | 6.750% | $6,398 | #87 |
| Wisconsin | 104 | 6.625% | $4,302 | #91 |
| Ohio | 101 | 6.625% | $6,520 | #135 |
| Florida | 70 | 6.750% | $8,008 | #275 |
| Pennsylvania | 46 | 7.125% | $6,866 | — |
| Missouri | 40 | 7.125% | $6,305 | — |
| Indiana | 39 | 6.875% | $6,058 | — |
| Michigan | 38 | 6.990% | $7,138 | — |
| Texas | 38 | 7.000% | $7,942 | — |
| Minnesota | 33 | 6.990% | $5,262 | — |
| Alabama | 30 | 6.812% | $6,506 | — |
| Kentucky | 30 | 7.125% | $8,731 | — |
| Mississippi | 27 | 6.875% | $7,377 | — |
| Arkansas | 26 | 6.875% | $6,607 | — |
| South Carolina | 25 | 6.990% | $8,748 | — |
| West Virginia | 25 | 7.125% | $5,792 | — |
| Tennessee | 23 | 6.990% | $7,994 | — |
| Iowa | 21 | 6.990% | $6,129 | — |
| Louisiana | 21 | 6.875% | $8,196 | — |
| Oklahoma | 20 | 7.058% | $7,174 | — |
| Georgia | 17 | 6.750% | $7,188 | — |
| North Carolina | 17 | 7.000% | $7,870 | — |
| Virginia | 16 | 6.990% | $9,020 | — |
| Kansas | 13 | 6.875% | $5,560 | — |
| Maryland | 4 | 7.058% | $7,284 | — |
| Maine | 4 | 6.745% | $4,570 | — |
| Colorado | 1 | 6.500% | $18,620 | — |
| Connecticut | 1 | 7.625% | $9,977 | — |
| New Hampshire | 1 | 7.625% | $6,429 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,700 | 6.625% | — | 60 | −$2,849 | |
| 2 | $3,993 | 6.750% | — | 5 | −$2,556 | |
| 3 | $4,281 | 6.812% | — | 8 | −$2,268 | |
| 4 | $4,580 | 6.375% | — | 5 | −$1,969 | |
| 5 | $4,587 | 6.500% | — | 9 | −$1,962 | |
| 6 | $5,718 | 6.625% | — | 25 | −$831 | |
| 7 | $5,786 | 6.433% | — | 8 | −$763 | |
| 8 | $6,070 | 6.490% | — | 10 | −$479 | |
| 9 | $6,100 | 6.500% | — | 16 | −$449 | |
| 10 | $6,160 | 6.625% | — | 21 | −$389 | |
| 11 | $6,337 | 7.125% | — | 4 | −$212 | |
| 12 | $6,444 | 7.125% | — | 5 | −$105 | |
| 13 | $6,473 | 7.125% | — | 5 | −$76 | |
| 14 | $6,723 | 6.750% | — | 81 | +$174 | |
| 15 | $6,891 | 6.688% | — | 14 | +$342 | |
| 16 | $7,062 | 6.875% | — | 13 | +$513 | |
| 17 | $7,110 | 6.625% | — | 11 | +$561 | |
| 18 | $7,184 | 7.250% | — | 7 | +$635 | |
| 19 | $8,904 | 6.933% | — | 14 | +$2,355 | |
| 20 | $9,288 | 6.625% | — | 5 | +$2,739 |
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 Real Estate Finance CO. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $6,549 | $7,127 | −$578 (−8.1%) |
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.