Purchase Originations
1,553
Ranked #275 nationally
Median Total Costs
$8,275
+23.9% vs national ($6,680)
↓ $2,543 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.010% vs prior year
Median Origination
$2,280
Median Lender Credits
$3,529
Cost Rank (500+ vol.)
#461
among lenders with 500+ originations
Denial Rate
4.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,097 | 6.624% | $6,888 | $3,031 |
| fha | 332 | 6.125% | $11,469 | $1,307 |
| va | 124 | 5.990% | $9,384 | $999 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 311 | 6.375% | $9,003 | #123 |
| Pennsylvania | 256 | 6.624% | $11,077 | #87 |
| Texas | 164 | 6.250% | $9,150 | #227 |
| Alabama | 113 | 6.375% | $6,935 | #86 |
| North Carolina | 95 | 6.500% | $7,622 | #155 |
| Georgia | 72 | 6.375% | $8,569 | #163 |
| California | 65 | 6.490% | $7,554 | #236 |
| Virginia | 50 | 6.375% | $7,162 | #180 |
| South Carolina | 44 | 6.562% | $6,957 | — |
| Tennessee | 42 | 6.312% | $6,029 | — |
| Illinois | 38 | 6.438% | $7,214 | — |
| Washington | 38 | 6.312% | $7,236 | — |
| Arizona | 37 | 6.490% | $7,655 | — |
| Michigan | 34 | 6.625% | $4,885 | — |
| New Jersey | 34 | 6.375% | $9,407 | — |
| Colorado | 20 | 6.375% | $4,502 | — |
| Ohio | 19 | 6.750% | $5,085 | — |
| Oregon | 19 | 6.375% | $7,281 | — |
| Indiana | 18 | 6.375% | $3,925 | — |
| Maryland | 17 | 6.250% | $5,701 | — |
| Utah | 17 | 6.490% | $5,002 | — |
| Louisiana | 12 | 6.500% | $8,771 | — |
| Connecticut | 8 | 6.688% | $6,466 | — |
| Minnesota | 8 | 6.188% | $6,119 | — |
| Wisconsin | 8 | 6.688% | $3,204 | — |
| Kentucky | 7 | 6.125% | $5,840 | — |
| Delaware | 6 | 6.624% | $10,315 | — |
| Kansas | 1 | 8.375% | $10,942 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,447 | 6.500% | — | 17 | −$3,828 | |
| 2 | $6,555 | 6.125% | — | 20 | −$1,720 | |
| 3 | $7,271 | 6.125% | — | 19 | −$1,004 | |
| 4 | $7,605 | 6.375% | — | 35 | −$670 | |
| 5 | $7,655 | 6.375% | — | 29 | −$620 | |
| 6 | $7,822 | 6.625% | — | 40 | −$453 | |
| 7 | $7,928 | 6.490% | — | 29 | −$347 | |
| 8 | $7,964 | 6.250% | — | 19 | −$311 | |
| 9 | $8,217 | 6.250% | — | 44 | −$58 | |
| 10 | $8,719 | 6.250% | — | 20 | +$444 | |
| 11 | $8,935 | 6.624% | — | 23 | +$660 | |
| 12 | $9,862 | 6.250% | — | 25 | +$1,587 | |
| 13 | $9,943 | 6.500% | — | 16 | +$1,668 | |
| 14 | $10,777 | 6.250% | — | 33 | +$2,502 | |
| 15 | $10,864 | 6.125% | — | 17 | +$2,589 | |
| 16 | $11,077 | 6.688% | — | 60 | +$2,802 | |
| 17 | $11,325 | 6.625% | — | 23 | +$3,050 | |
| 18 | $11,411 | 6.500% | — | 44 | +$3,136 | |
| 19 | $11,920 | 6.495% | — | 22 | +$3,645 | |
| 20 | $11,992 | 6.490% | — | 59 | +$3,717 |
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 | Filo Mortgage, L.L.C. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $375,000 | $335,000 | +$40,000 (+11.9%) |
| Median total closing costs | $8,275 | $7,127 | +$1,148 (+16.1%) |
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.