Purchase Originations
312
Median Total Costs
$13,828
+107.0% vs national ($6,680)
↓ $1,550 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$5,060
Median Lender Credits
$1,588
Denial Rate
0.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 168 | 6.750% | $9,236 | $4,685 |
| fha | 140 | 6.125% | $19,063 | $5,472 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 280 | 6.375% | $14,399 | #120 |
| Michigan | 12 | 6.750% | $5,276 | — |
| Texas | 9 | 6.500% | $8,018 | — |
| Florida | 5 | 6.125% | $6,489 | — |
| Arkansas | 1 | 6.625% | $1,196 | — |
| Colorado | 1 | 5.750% | $19,396 | — |
| Indiana | 1 | 6.875% | $4,338 | — |
| Kentucky | 1 | 6.500% | $3,415 | — |
| Tennessee | 1 | 6.990% | $7,986 | — |
| Washington | 1 | 6.750% | $12,525 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,196 | 6.625% | — | 1 | −$12,632 | |
| 2 | $4,423 | 6.625% | — | 5 | −$9,405 | |
| 3 | $5,382 | 7.490% | — | 1 | −$8,446 | |
| 4 | $6,638 | 6.500% | — | 5 | −$7,190 | |
| 5 | $7,754 | 6.500% | — | 1 | −$6,074 | |
| 6 | $9,409 | 6.062% | — | 2 | −$4,419 | |
| 7 | $10,069 | 6.625% | — | 2 | −$3,759 | |
| 8 | $10,350 | 6.990% | — | 1 | −$3,478 | |
| 9 | $10,960 | 6.750% | — | 4 | −$2,868 | |
| 10 | $11,262 | 6.625% | — | 7 | −$2,566 | |
| 11 | $11,800 | 6.308% | — | 2 | −$2,028 | |
| 12 | $12,327 | 6.499% | — | 12 | −$1,501 | |
| 13 | $12,760 | 6.688% | — | 2 | −$1,068 | |
| 14 | $13,611 | 6.500% | — | 9 | −$217 | |
| 15 | $14,040 | 6.625% | — | 79 | +$212 | |
| 16 | $14,402 | 6.375% | — | 63 | +$574 | |
| 17 | $15,180 | 6.250% | — | 98 | +$1,352 | |
| 18 | $17,309 | 6.250% | — | 2 | +$3,481 | |
| 19 | $19,396 | 5.750% | — | 1 | +$5,568 | |
| 20 | $30,436 | 5.750% | — | 1 | +$16,608 |
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 | EZ Fundings Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $520,000 | $335,000 | +$185,000 (+55.2%) |
| Median total closing costs | $13,828 | $7,127 | +$6,701 (+94.0%) |
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.