Purchase Originations
291
Median Total Costs
$7,434
+11.3% vs national ($6,680)
↑ $1,284 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$2,384
Median Lender Credits
$190
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 164 | 6.125% | $9,752 | $2,856 |
| conventional | 54 | 6.750% | $4,307 | $2,169 |
| usda | 52 | 6.438% | $5,957 | $1,636 |
| va | 21 | 6.490% | $6,506 | $2,427 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Alabama | 224 | 6.375% | $6,850 | #51 |
| Texas | 52 | 6.125% | $12,799 | #338 |
| Mississippi | 8 | 6.625% | $6,056 | — |
| Arkansas | 6 | 6.375% | $9,253 | — |
| Missouri | 1 | 6.500% | $10,221 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,060 | 6.625% | — | 5 | −$3,374 | |
| 2 | $5,488 | 6.500% | — | 5 | −$1,946 | |
| 3 | $5,817 | 6.250% | — | 7 | −$1,617 | |
| 4 | $5,912 | 6.312% | — | 16 | −$1,522 | |
| 5 | $6,552 | 6.500% | — | 94 | −$882 | |
| 6 | $6,552 | 6.375% | — | 2 | −$882 | |
| 7 | $7,141 | 6.688% | — | 4 | −$293 | |
| 8 | $7,167 | 5.625% | — | 4 | −$267 | |
| 9 | $7,517 | 6.438% | — | 12 | +$83 | |
| 10 | $7,577 | 6.000% | — | 9 | +$143 | |
| 11 | $7,579 | 6.000% | — | 10 | +$145 | |
| 12 | $7,603 | 6.500% | — | 5 | +$169 | |
| 13 | $8,228 | 6.125% | — | 23 | +$794 | |
| 14 | $8,912 | 6.000% | — | 15 | +$1,478 | |
| 15 | $9,720 | 6.308% | — | 2 | +$2,286 | |
| 16 | $9,927 | 6.000% | — | 2 | +$2,493 | |
| 17 | $10,016 | 5.625% | — | 4 | +$2,582 | |
| 18 | $11,460 | 6.183% | — | 2 | +$4,026 | |
| 19 | $13,126 | 6.125% | — | 14 | +$5,692 | |
| 20 | $14,958 | 6.490% | — | 5 | +$7,524 |
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 | Hamilton Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $7,434 | $7,127 | +$307 (+4.3%) |
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.