Purchase Originations
2,089
Ranked #215 nationally
Median Total Costs
$4,994
−25.2% vs national ($6,680)
↑ $298 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,270
Median Lender Credits
$500
Cost Rank (500+ vol.)
#195
among lenders with 500+ originations
Denial Rate
3.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,406 | 6.625% | $4,304 | $1,270 |
| fha | 466 | 6.500% | $8,398 | $1,479 |
| va | 173 | 6.250% | $5,106 | $165 |
| usda | 44 | 6.250% | $5,736 | $1,500 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 684 | 6.625% | $4,093 | #39 |
| Pennsylvania | 603 | 6.624% | $5,671 | #37 |
| North Carolina | 333 | 6.625% | $4,506 | #76 |
| Maryland | 113 | 6.500% | $6,627 | #94 |
| Connecticut | 88 | 6.500% | $5,542 | #56 |
| Florida | 73 | 6.625% | $5,067 | #267 |
| Michigan | 50 | 6.625% | $4,413 | #152 |
| South Carolina | 46 | 6.500% | $6,000 | — |
| Massachusetts | 44 | 6.875% | $4,435 | — |
| Virginia | 28 | 6.688% | $5,186 | — |
| Indiana | 6 | 6.558% | $2,985 | — |
| Kentucky | 6 | 6.558% | $3,651 | — |
| West Virginia | 5 | 6.250% | $7,641 | — |
| Rhode Island | 4 | 6.933% | $3,488 | — |
| Delaware | 2 | 7.000% | $3,676 | — |
| District of Columbia | 1 | 6.490% | $13,586 | — |
| Georgia | 1 | 6.125% | $8,396 | — |
| New Hampshire | 1 | 6.490% | $3,346 | — |
| Texas | 1 | 6.750% | $7,185 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,145 | 6.625% | — | 55 | −$1,849 | |
| 2 | $3,365 | 6.625% | — | 119 | −$1,629 | |
| 3 | $3,926 | 6.625% | — | 37 | −$1,068 | |
| 4 | $4,038 | 6.562% | — | 76 | −$956 | |
| 5 | $4,104 | 6.625% | — | 27 | −$890 | |
| 6 | $4,403 | 6.625% | — | 35 | −$591 | |
| 7 | $4,694 | 6.625% | — | 27 | −$300 | |
| 8 | $4,744 | 6.625% | — | 23 | −$250 | |
| 9 | $4,787 | 6.625% | — | 153 | −$207 | |
| 10 | $4,896 | 6.875% | — | 40 | −$98 | |
| 11 | $4,901 | 6.625% | — | 45 | −$93 | |
| 12 | $4,995 | 6.490% | — | 58 | +$1 | |
| 13 | $5,346 | 6.562% | — | 22 | +$352 | |
| 14 | $5,429 | 6.625% | — | 72 | +$435 | |
| 15 | $6,128 | 6.490% | — | 80 | +$1,134 | |
| 16 | $6,151 | 6.495% | — | 44 | +$1,157 | |
| 17 | $6,269 | 6.500% | — | 23 | +$1,275 | |
| 18 | $6,303 | 6.625% | — | 145 | +$1,309 | |
| 19 | $6,311 | 6.375% | — | 30 | +$1,317 | |
| 20 | $6,705 | 6.562% | — | 84 | +$1,711 |
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 Resources, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $4,994 | $7,127 | −$2,133 (−29.9%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.