Purchase Originations
408
Median Total Costs
$6,364
−4.7% vs national ($6,680)
↓ $202 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,985
Median Lender Credits
$500
Denial Rate
0.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 316 | 6.562% | $5,686 | $1,985 |
| va | 57 | 6.250% | $12,172 | $2,496 |
| fha | 31 | 6.250% | $12,149 | $1,985 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 285 | 6.500% | $6,619 | #67 |
| North Carolina | 94 | 6.562% | $5,189 | #156 |
| Maryland | 13 | 6.375% | $8,251 | — |
| District of Columbia | 6 | 6.312% | $8,048 | — |
| South Carolina | 5 | 7.000% | $4,969 | — |
| West Virginia | 5 | 6.000% | $8,938 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,826 | 6.500% | — | 9 | −$1,538 | |
| 2 | $5,005 | 7.000% | — | 11 | −$1,359 | |
| 3 | $5,152 | 6.625% | — | 26 | −$1,212 | |
| 4 | $5,177 | 6.125% | — | 5 | −$1,187 | |
| 5 | $5,308 | 6.125% | — | 5 | −$1,056 | |
| 6 | $5,356 | 6.250% | — | 8 | −$1,008 | |
| 7 | $5,541 | 6.500% | — | 16 | −$823 | |
| 8 | $5,989 | 6.500% | — | 23 | −$375 | |
| 9 | $6,300 | 6.375% | — | 30 | −$64 | |
| 10 | $6,398 | 6.500% | — | 57 | +$34 | |
| 11 | $6,541 | 6.250% | — | 4 | +$177 | |
| 12 | $6,760 | 6.562% | — | 10 | +$396 | |
| 13 | $7,877 | 6.500% | — | 103 | +$1,513 | |
| 14 | $7,954 | 6.125% | — | 6 | +$1,590 | |
| 15 | $8,048 | 6.312% | — | 6 | +$1,684 | |
| 16 | $8,185 | 6.375% | — | 10 | +$1,821 | |
| 17 | $9,521 | 6.250% | — | 4 | +$3,157 | |
| 18 | $11,097 | 6.250% | — | 5 | +$4,733 | |
| 19 | $11,711 | 6.312% | — | 4 | +$5,347 | |
| 20 | $13,597 | 5.875% | — | 4 | +$7,233 |
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 | Jams-01, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $6,364 | $7,127 | −$763 (−10.7%) |
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.