Purchase Originations
1,756
Ranked #251 nationally
Median Total Costs
$6,654
−0.4% vs national ($6,680)
↑ $352 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$1,890
Median Lender Credits
$898
Cost Rank (500+ vol.)
#334
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,756 | 6.490% | $6,654 | $1,890 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 659 | 6.500% | $7,369 | #61 |
| Massachusetts | 158 | 6.375% | $5,471 | #61 |
| Texas | 126 | 6.500% | $7,465 | #252 |
| Georgia | 119 | 6.375% | $7,481 | #129 |
| New York | 114 | 6.375% | $9,171 | #117 |
| Washington | 106 | 6.250% | $5,185 | #105 |
| North Carolina | 77 | 6.375% | $4,188 | #170 |
| New Jersey | 61 | 6.125% | $6,111 | #138 |
| Florida | 46 | 6.500% | $6,832 | — |
| Ohio | 41 | 6.625% | $4,671 | — |
| Hawaii | 36 | 6.375% | $10,979 | — |
| Illinois | 32 | 6.375% | $6,316 | — |
| Nevada | 28 | 6.688% | $6,379 | — |
| Virginia | 27 | 6.125% | $5,765 | — |
| Pennsylvania | 19 | 6.125% | $5,505 | — |
| South Carolina | 19 | 6.249% | $5,063 | — |
| Maryland | 14 | 6.433% | $6,123 | — |
| Arkansas | 12 | 6.375% | $3,276 | — |
| Tennessee | 11 | 6.490% | $4,188 | — |
| Indiana | 9 | 6.490% | $3,719 | — |
| Kansas | 9 | 5.990% | $4,636 | — |
| Missouri | 7 | 6.125% | $4,112 | — |
| Colorado | 5 | 6.125% | $3,737 | — |
| Connecticut | 5 | 6.500% | $7,506 | — |
| Alabama | 2 | 6.625% | $9,183 | — |
| Delaware | 2 | 6.000% | $6,619 | — |
| Oklahoma | 2 | 6.562% | $10,186 | — |
| Rhode Island | 2 | 6.120% | $6,845 | — |
| Wisconsin | 2 | 6.620% | $2,893 | — |
| Iowa | 1 | 5.750% | $2,532 | — |
| Kentucky | 1 | 5.625% | $4,449 | — |
| Louisiana | 1 | 7.250% | $12,457 | — |
| Minnesota | 1 | 6.749% | $9,856 | — |
| Nebraska | 1 | 6.000% | $4,104 | — |
| Vermont | 1 | 6.000% | $11,281 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,206 | 6.125% | — | 26 | −$2,448 | |
| 2 | $5,036 | 6.500% | — | 88 | −$1,618 | |
| 3 | $5,234 | 6.250% | — | 78 | −$1,420 | |
| 4 | $5,269 | 6.375% | — | 51 | −$1,385 | |
| 5 | $5,835 | 6.375% | — | 73 | −$819 | |
| 6 | $6,717 | 6.750% | — | 24 | +$63 | |
| 7 | $6,961 | 6.562% | — | 34 | +$307 | |
| 8 | $7,005 | 6.500% | — | 59 | +$351 | |
| 9 | $7,011 | 6.500% | — | 84 | +$357 | |
| 10 | $7,430 | 6.625% | — | 64 | +$776 | |
| 11 | $7,432 | 6.500% | — | 27 | +$778 | |
| 12 | $7,487 | 6.375% | — | 43 | +$833 | |
| 13 | $7,527 | 6.438% | — | 28 | +$873 | |
| 14 | $8,210 | 6.490% | — | 52 | +$1,556 | |
| 15 | $8,216 | 6.500% | — | 29 | +$1,562 | |
| 16 | $8,498 | 6.688% | — | 24 | +$1,844 | |
| 17 | $8,831 | 6.500% | — | 118 | +$2,177 | |
| 18 | $8,965 | 6.562% | — | 24 | +$2,311 | |
| 19 | $10,211 | 6.375% | — | 52 | +$3,557 | |
| 20 | $11,773 | 6.375% | — | 35 | +$5,119 |
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 | General Mortgage Capital Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $495,000 | $335,000 | +$160,000 (+47.8%) |
| Median total closing costs | $6,654 | $7,127 | −$473 (−6.6%) |
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.