Purchase Originations
109
Median Total Costs
$8,178
+22.4% vs national ($6,680)
↑ $824 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,105
Median Lender Credits
$253
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 6.250% | $8,178 | $4,105 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,277 | 6.000% | — | 1 | −$2,901 | |
| 2 | $5,730 | 6.750% | — | 1 | −$2,448 | |
| 3 | $5,777 | 6.438% | — | 2 | −$2,401 | |
| 4 | $6,018 | 7.312% | — | 2 | −$2,160 | |
| 5 | $6,568 | 6.350% | — | 3 | −$1,610 | |
| 6 | $6,778 | 7.000% | — | 7 | −$1,400 | |
| 7 | $7,171 | 6.062% | — | 2 | −$1,007 | |
| 8 | $7,778 | 6.312% | — | 8 | −$400 | |
| 9 | $8,050 | 7.000% | — | 6 | −$128 | |
| 10 | $8,159 | 6.375% | — | 32 | −$19 | |
| 11 | $9,305 | 6.500% | — | 3 | +$1,127 | |
| 12 | $9,411 | 6.058% | — | 4 | +$1,233 | |
| 13 | $9,552 | 6.500% | — | 7 | +$1,374 | |
| 14 | $9,720 | 6.058% | — | 10 | +$1,542 | |
| 15 | $9,795 | 6.250% | — | 2 | +$1,617 | |
| 16 | $9,893 | 5.812% | — | 2 | +$1,715 | |
| 17 | $10,354 | 6.125% | — | 2 | +$2,176 | |
| 18 | $11,518 | 5.908% | — | 2 | +$3,340 | |
| 19 | $12,689 | 5.875% | — | 2 | +$4,511 | |
| 20 | $12,728 | 5.750% | — | 1 | +$4,550 |
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 | Focusone Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $8,178 | $7,127 | +$1,051 (+14.7%) |
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.