Purchase Originations
556
Ranked #591 nationally
Median Total Costs
$6,200
−7.2% vs national ($6,680)
↓ $72 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$725
Median Lender Credits
$500
Cost Rank (500+ vol.)
#296
among lenders with 500+ originations
Denial Rate
10.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 536 | 6.375% | $6,310 | $725 |
| fha | 20 | 6.250% | $4,803 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 391 | 6.375% | $6,248 | #59 |
| New Jersey | 38 | 6.125% | $6,181 | — |
| Florida | 24 | 6.188% | $6,409 | — |
| Illinois | 23 | 6.125% | $6,924 | — |
| South Carolina | 13 | 6.125% | $6,072 | — |
| California | 10 | 6.000% | $6,586 | — |
| Massachusetts | 9 | 6.125% | $5,006 | — |
| Pennsylvania | 8 | 6.188% | $5,295 | — |
| North Carolina | 6 | 6.250% | $4,674 | — |
| Connecticut | 5 | 5.875% | $7,692 | — |
| Washington | 4 | 5.875% | $6,451 | — |
| Maryland | 3 | 5.750% | $6,338 | — |
| Tennessee | 3 | 6.625% | $4,674 | — |
| Virginia | 3 | 5.750% | $6,564 | — |
| Maine | 2 | 6.000% | $5,156 | — |
| Nevada | 2 | 6.188% | $9,133 | — |
| Wisconsin | 2 | 6.250% | $2,932 | — |
| Colorado | 1 | 5.625% | $3,782 | — |
| Georgia | 1 | 6.125% | $5,163 | — |
| Iowa | 1 | 6.500% | $2,820 | — |
| Missouri | 1 | 6.500% | $3,804 | — |
| New Hampshire | 1 | 6.125% | $4,406 | — |
| Ohio | 1 | 6.250% | $3,845 | — |
| Rhode Island | 1 | 5.875% | $4,705 | — |
| Utah | 1 | 6.000% | $4,136 | — |
| Vermont | 1 | 6.875% | $3,602 | — |
| West Virginia | 1 | 5.875% | $8,088 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,893 | 6.375% | — | 17 | −$3,307 | |
| 2 | $3,352 | 6.375% | — | 34 | −$2,848 | |
| 3 | $4,638 | 6.375% | — | 14 | −$1,562 | |
| 4 | $5,000 | 6.375% | — | 3 | −$1,200 | |
| 5 | $5,024 | 6.375% | — | 3 | −$1,176 | |
| 6 | $5,946 | 6.250% | — | 3 | −$254 | |
| 7 | $6,022 | 6.000% | — | 5 | −$178 | |
| 8 | $6,250 | 6.438% | — | 2 | +$50 | |
| 9 | $6,335 | 6.125% | — | 10 | +$135 | |
| 10 | $6,455 | 6.375% | — | 163 | +$255 | |
| 11 | $6,636 | 6.000% | — | 3 | +$436 | |
| 12 | $6,721 | 6.250% | — | 3 | +$521 | |
| 13 | $6,734 | 6.125% | — | 7 | +$534 | |
| 14 | $6,832 | 6.000% | — | 7 | +$632 | |
| 15 | $7,031 | 6.375% | — | 136 | +$831 | |
| 16 | $7,071 | 6.312% | — | 16 | +$871 | |
| 17 | $7,422 | 6.500% | — | 9 | +$1,222 | |
| 18 | $7,663 | 6.125% | — | 3 | +$1,463 | |
| 19 | $9,598 | 6.625% | — | 3 | +$3,398 | |
| 20 | $14,837 | 6.062% | — | 4 | +$8,637 |
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 | Fourleaf | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $505,000 | $335,000 | +$170,000 (+50.7%) |
| Median total closing costs | $6,200 | $7,127 | −$927 (−13.0%) |
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.