Purchase Originations
120
Median Total Costs
$1,770
−73.5% vs national ($6,680)
↓ $1,739 vs prior year
Median Rate
7.960%
+22.6% vs national (6.490%)
↓ 0.490% vs prior year
Median Origination
$1,000
Median Lender Credits
$150
Denial Rate
20.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 120 | 7.960% | $1,770 | $1,000 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 100 | 7.940% | $1,447 | #127 |
| West Virginia | 14 | 8.120% | $2,131 | — |
| Maryland | 5 | 7.920% | $5,122 | — |
| North Carolina | 1 | 8.110% | $3,860 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $250 | 7.412% | — | 4 | −$1,520 | |
| 2 | $378 | 8.110% | — | 4 | −$1,392 | |
| 3 | $439 | 8.210% | — | 4 | −$1,331 | |
| 4 | $439 | 8.280% | — | 3 | −$1,331 | |
| 5 | $600 | 8.150% | — | 5 | −$1,170 | |
| 6 | $645 | 8.120% | — | 3 | −$1,125 | |
| 7 | $789 | 8.380% | — | 3 | −$981 | |
| 8 | $945 | 7.870% | — | 7 | −$825 | |
| 9 | $1,165 | 7.875% | — | 3 | −$605 | |
| 10 | $1,414 | 8.400% | — | 3 | −$356 | |
| 11 | $1,619 | 8.000% | — | 3 | −$151 | |
| 12 | $1,634 | 8.035% | — | 10 | −$136 | |
| 13 | $1,645 | 8.000% | — | 5 | −$125 | |
| 14 | $3,669 | 7.595% | — | 6 | +$1,899 | |
| 15 | $4,347 | 7.850% | — | 5 | +$2,577 | |
| 16 | $4,432 | 8.250% | — | 3 | +$2,662 | |
| 17 | $4,975 | 8.120% | — | 3 | +$3,205 | |
| 18 | $5,122 | 7.920% | — | 3 | +$3,352 | |
| 19 | $5,214 | 7.850% | — | 2 | +$3,444 | |
| 20 | $5,901 | 7.150% | — | 5 | +$4,131 |
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 | Farm Credit of the Virginias, ACA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $1,770 | $7,127 | −$5,357 (−75.2%) |
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.