Purchase Originations
1,030
Ranked #371 nationally
Median Total Costs
$5,164
−22.7% vs national ($6,680)
↑ $126 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,545
Median Lender Credits
$106
Cost Rank (500+ vol.)
#210
among lenders with 500+ originations
Denial Rate
5.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 892 | 6.625% | $4,986 | $1,545 |
| fha | 111 | 6.500% | $12,016 | $1,545 |
| va | 24 | 6.250% | $9,209 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 487 | 6.500% | $5,240 | #26 |
| New Hampshire | 251 | 6.625% | $4,526 | #10 |
| Rhode Island | 116 | 6.625% | $5,162 | #22 |
| Maine | 72 | 6.562% | $7,075 | #31 |
| New Jersey | 59 | 6.375% | $6,922 | #143 |
| Florida | 18 | 6.562% | $6,163 | — |
| Connecticut | 10 | 6.688% | $4,970 | — |
| Vermont | 7 | 6.625% | $5,323 | — |
| North Carolina | 5 | 6.750% | $5,684 | — |
| South Carolina | 3 | 6.375% | $4,652 | — |
| Pennsylvania | 2 | 7.125% | $6,253 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,381 | 6.625% | — | 19 | −$783 | |
| 2 | $4,448 | 6.500% | — | 43 | −$716 | |
| 3 | $4,482 | 6.562% | — | 96 | −$682 | |
| 4 | $4,642 | 6.625% | — | 53 | −$522 | |
| 5 | $4,797 | 6.375% | — | 18 | −$367 | |
| 6 | $4,884 | 6.625% | — | 103 | −$280 | |
| 7 | $5,043 | 6.625% | — | 24 | −$121 | |
| 8 | $5,108 | 6.625% | — | 41 | −$56 | |
| 9 | $5,162 | 6.625% | — | 45 | −$2 | |
| 10 | $5,164 | 6.250% | — | 105 | +$0 | |
| 11 | $5,262 | 6.375% | — | 32 | +$98 | |
| 12 | $5,357 | 6.250% | — | 51 | +$193 | |
| 13 | $5,411 | 6.625% | — | 52 | +$247 | |
| 14 | $5,600 | 6.375% | — | 15 | +$436 | |
| 15 | $5,762 | 6.562% | — | 54 | +$598 | |
| 16 | $5,825 | 6.688% | — | 14 | +$661 | |
| 17 | $6,408 | 6.750% | — | 19 | +$1,244 | |
| 18 | $6,449 | 6.688% | — | 28 | +$1,285 | |
| 19 | $6,553 | 6.250% | — | 15 | +$1,389 | |
| 20 | $7,078 | 6.250% | — | 14 | +$1,914 |
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 | Harborone Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $5,164 | $7,127 | −$1,963 (−27.5%) |
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.