Purchase Originations
6,788
Ranked #64 nationally
Median Total Costs
$9,814
+46.9% vs national ($6,680)
↓ $1,028 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,932
Median Lender Credits
$831
Cost Rank (500+ vol.)
#534
among lenders with 500+ originations
Denial Rate
9.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 4,042 | 6.625% | $11,271 | $3,287 |
| va | 1,450 | 6.625% | $8,360 | $2,877 |
| usda | 977 | 6.250% | $6,635 | $1,585 |
| conventional | 319 | 6.875% | $9,063 | $4,150 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 869 | 6.625% | $10,922 | #74 |
| Florida | 868 | 6.625% | $10,835 | #56 |
| Louisiana | 583 | 6.500% | $7,758 | #16 |
| California | 471 | 6.375% | $16,116 | #81 |
| Georgia | 371 | 6.625% | $10,276 | #61 |
| Arizona | 279 | 6.750% | $15,121 | #60 |
| Tennessee | 251 | 6.500% | $9,672 | #64 |
| Indiana | 227 | 6.625% | $6,998 | #74 |
| Illinois | 220 | 6.750% | $8,532 | #85 |
| Pennsylvania | 214 | 6.625% | $8,147 | #105 |
| Kentucky | 209 | 6.625% | $5,950 | #53 |
| Ohio | 202 | 6.750% | $8,046 | #93 |
| Alabama | 186 | 6.500% | $7,805 | #57 |
| South Carolina | 163 | 6.625% | $9,781 | #89 |
| North Carolina | 158 | 6.625% | $9,109 | #122 |
| Michigan | 150 | 7.250% | $8,969 | #90 |
| Missouri | 145 | 6.875% | $7,528 | #70 |
| New Jersey | 96 | 6.688% | $19,531 | #113 |
| Oklahoma | 92 | 6.625% | $7,595 | #71 |
| Virginia | 89 | 6.625% | $10,240 | #137 |
| Kansas | 81 | 6.625% | $7,932 | #77 |
| Mississippi | 79 | 6.625% | $7,006 | #53 |
| Arkansas | 77 | 6.500% | $5,331 | #75 |
| West Virginia | 73 | 6.375% | $6,922 | #43 |
| Colorado | 71 | 6.500% | $10,677 | #131 |
| New York | 67 | 6.625% | $16,054 | #140 |
| Nevada | 56 | 6.625% | $14,579 | #87 |
| Oregon | 54 | 6.375% | $14,523 | #100 |
| Maryland | 51 | 6.625% | $14,138 | #141 |
| Utah | 40 | 7.562% | $16,036 | — |
| New Mexico | 37 | 6.750% | $11,120 | — |
| Minnesota | 35 | 7.000% | $11,342 | — |
| Washington | 34 | 6.625% | $13,323 | — |
| Wisconsin | 26 | 6.812% | $10,939 | — |
| Connecticut | 22 | 6.875% | $12,186 | — |
| Massachusetts | 22 | 6.625% | $16,904 | — |
| Delaware | 17 | 6.875% | $13,398 | — |
| Idaho | 14 | 6.625% | $14,967 | — |
| Puerto Rico | 14 | 5.938% | $11,970 | — |
| Montana | 11 | 6.625% | $14,886 | — |
| Iowa | 9 | 7.250% | $5,956 | — |
| South Dakota | 9 | 6.750% | $13,461 | — |
| Maine | 8 | 6.375% | $9,821 | — |
| Alaska | 7 | 6.125% | $12,875 | — |
| Nebraska | 7 | 7.250% | $9,955 | — |
| New Hampshire | 6 | 6.188% | $14,937 | — |
| Wyoming | 5 | 6.500% | $11,554 | — |
| Hawaii | 4 | 6.375% | $10,148 | — |
| North Dakota | 4 | 7.750% | $7,476 | — |
| District of Columbia | 3 | 6.625% | $19,512 | — |
| Rhode Island | 2 | 6.625% | $27,843 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,289 | 6.500% | — | 41 | −$3,525 | |
| 2 | $8,096 | 6.625% | — | 41 | −$1,718 | |
| 3 | $8,259 | 7.250% | — | 53 | −$1,555 | |
| 4 | $8,489 | 6.500% | — | 44 | −$1,325 | |
| 5 | $8,624 | 6.438% | — | 46 | −$1,190 | |
| 6 | $9,087 | 6.625% | — | 61 | −$727 | |
| 7 | $10,115 | 6.500% | — | 99 | +$301 | |
| 8 | $10,645 | 6.500% | — | 46 | +$831 | |
| 9 | $11,501 | 6.625% | — | 102 | +$1,687 | |
| 10 | $12,098 | 7.125% | — | 77 | +$2,284 | |
| 11 | $12,775 | 6.625% | — | 48 | +$2,961 | |
| 12 | $12,803 | 6.875% | — | 74 | +$2,989 | |
| 13 | $14,059 | 6.625% | — | 67 | +$4,245 | |
| 14 | $14,608 | 6.750% | — | 42 | +$4,794 | |
| 15 | $15,832 | 6.500% | — | 61 | +$6,018 | |
| 16 | $16,224 | 6.688% | — | 42 | +$6,410 | |
| 17 | $16,736 | 7.000% | — | 113 | +$6,922 | |
| 18 | $17,775 | 6.500% | — | 66 | +$7,961 | |
| 19 | $20,804 | 6.375% | — | 59 | +$10,990 | |
| 20 | $21,248 | 6.250% | — | 44 | +$11,434 |
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 | Equity Prime Mortgage LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $9,814 | $7,127 | +$2,687 (+37.7%) |
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.