Purchase Originations
505
Ranked #616 nationally
Median Total Costs
$15,774
+136.1% vs national ($6,680)
↑ $788 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$8,526
Median Lender Credits
$226
Cost Rank (500+ vol.)
#611
among lenders with 500+ originations
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 378 | 6.625% | $12,938 | $7,988 |
| fha | 117 | 6.375% | $25,801 | $10,771 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 428 | 6.625% | $15,998 | #54 |
| Florida | 19 | 6.750% | $13,844 | — |
| Connecticut | 17 | 6.625% | $15,487 | — |
| New Jersey | 15 | 6.625% | $16,038 | — |
| California | 5 | 6.625% | $30,282 | — |
| North Carolina | 5 | 6.875% | $6,208 | — |
| Pennsylvania | 5 | 7.125% | $11,212 | — |
| Rhode Island | 2 | 6.933% | $16,225 | — |
| Texas | 2 | 6.495% | $10,915 | — |
| Alabama | 1 | 7.990% | $5,159 | — |
| Arizona | 1 | 5.625% | $20,131 | — |
| Colorado | 1 | 5.990% | $33,434 | — |
| Georgia | 1 | 7.490% | $30,111 | — |
| Maryland | 1 | 7.125% | $25,446 | — |
| South Carolina | 1 | 6.625% | $6,653 | — |
| Tennessee | 1 | 6.875% | $15,995 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,885 | 7.249% | — | 7 | −$7,889 | |
| 2 | $8,429 | 7.125% | — | 3 | −$7,345 | |
| 3 | $12,025 | 6.375% | — | 9 | −$3,749 | |
| 4 | $12,934 | 7.750% | — | 2 | −$2,840 | |
| 5 | $13,339 | 6.558% | — | 2 | −$2,435 | |
| 6 | $13,844 | 7.250% | — | 3 | −$1,930 | |
| 7 | $15,044 | 6.812% | — | 4 | −$730 | |
| 8 | $15,207 | 6.625% | — | 4 | −$567 | |
| 9 | $15,352 | 6.625% | — | 5 | −$422 | |
| 10 | $15,392 | 6.625% | — | 129 | −$382 | |
| 11 | $16,038 | 6.875% | — | 3 | +$264 | |
| 12 | $16,353 | 6.625% | — | 211 | +$579 | |
| 13 | $16,631 | 6.625% | — | 3 | +$857 | |
| 14 | $17,309 | 6.250% | — | 5 | +$1,535 | |
| 15 | $17,541 | 6.375% | — | 3 | +$1,767 | |
| 16 | $18,255 | 6.375% | — | 9 | +$2,481 | |
| 17 | $18,445 | 6.562% | — | 8 | +$2,671 | |
| 18 | $21,658 | 6.625% | — | 39 | +$5,884 | |
| 19 | $24,247 | 7.249% | — | 3 | +$8,473 | |
| 20 | $30,282 | 6.625% | — | 5 | +$14,508 |
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 | Interstate Home Loan Center, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $555,000 | $335,000 | +$220,000 (+65.7%) |
| Median total closing costs | $15,774 | $7,127 | +$8,647 (+121.3%) |
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.