Purchase Originations
3,487
Ranked #144 nationally
Median Total Costs
$10,743
+60.8% vs national ($6,680)
↓ $560 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$3,507
Median Lender Credits
$1,649
Cost Rank (500+ vol.)
#562
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,073 | 6.625% | $8,347 | $3,945 |
| fha | 1,162 | 6.250% | $14,560 | $3,191 |
| va | 215 | 6.250% | $9,382 | $2,157 |
| usda | 37 | 6.250% | $7,440 | $1,215 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 976 | 6.375% | $12,102 | #49 |
| California | 882 | 6.500% | $13,016 | #46 |
| Texas | 256 | 6.490% | $10,777 | #170 |
| Arizona | 168 | 6.375% | $8,414 | #75 |
| Illinois | 145 | 6.750% | $8,561 | #118 |
| New Jersey | 133 | 6.625% | $9,585 | #85 |
| Utah | 85 | 6.490% | $9,512 | #63 |
| Washington | 82 | 6.375% | $8,609 | #118 |
| Michigan | 81 | 6.625% | $5,772 | #123 |
| Pennsylvania | 79 | 6.375% | $8,411 | #180 |
| Georgia | 73 | 6.375% | $10,046 | #162 |
| Indiana | 63 | 6.500% | $7,484 | #155 |
| Oregon | 54 | 6.495% | $7,431 | #99 |
| South Carolina | 52 | 6.500% | $9,487 | #161 |
| Colorado | 49 | 6.500% | $6,822 | — |
| Tennessee | 40 | 6.250% | $9,094 | — |
| Massachusetts | 37 | 6.250% | $13,471 | — |
| New Mexico | 31 | 6.125% | $7,003 | — |
| Nevada | 29 | 6.500% | $8,481 | — |
| Maryland | 25 | 6.375% | $12,750 | — |
| Idaho | 24 | 6.312% | $9,330 | — |
| Virginia | 23 | 6.375% | $13,339 | — |
| Rhode Island | 22 | 6.312% | $16,193 | — |
| North Carolina | 16 | 6.188% | $11,189 | — |
| Ohio | 13 | 6.625% | $11,004 | — |
| Kentucky | 12 | 6.500% | $8,189 | — |
| Wisconsin | 10 | 6.938% | $6,066 | — |
| Connecticut | 9 | 6.125% | $9,940 | — |
| New Hampshire | 7 | 6.625% | $9,382 | — |
| Alabama | 4 | 6.500% | $5,818 | — |
| Minnesota | 4 | 6.000% | $7,361 | — |
| Montana | 3 | 5.750% | $10,410 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $9,005 | 6.625% | — | 76 | −$1,738 | |
| 2 | $9,078 | 6.375% | — | 107 | −$1,665 | |
| 3 | $9,900 | 6.490% | — | 51 | −$843 | |
| 4 | $10,268 | 6.490% | — | 40 | −$475 | |
| 5 | $10,524 | 6.250% | — | 71 | −$219 | |
| 6 | $10,644 | 6.125% | — | 45 | −$99 | |
| 7 | $10,721 | 6.125% | — | 52 | −$22 | |
| 8 | $10,741 | 6.375% | — | 69 | −$2 | |
| 9 | $11,207 | 6.750% | — | 46 | +$464 | |
| 10 | $11,770 | 6.500% | — | 49 | +$1,027 | |
| 11 | $11,960 | 6.375% | — | 108 | +$1,217 | |
| 12 | $11,992 | 6.125% | — | 59 | +$1,249 | |
| 13 | $12,235 | 6.490% | — | 39 | +$1,492 | |
| 14 | $13,753 | 6.490% | — | 106 | +$3,010 | |
| 15 | $14,013 | 6.500% | — | 53 | +$3,270 | |
| 16 | $14,051 | 6.490% | — | 99 | +$3,308 | |
| 17 | $15,205 | 6.495% | — | 98 | +$4,462 | |
| 18 | $15,278 | 6.500% | — | 83 | +$4,535 | |
| 19 | $15,509 | 6.490% | — | 63 | +$4,766 | |
| 20 | $15,744 | 6.500% | — | 131 | +$5,001 |
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 | Jmac Lending, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $405,000 | $335,000 | +$70,000 (+20.9%) |
| Median total closing costs | $10,743 | $7,127 | +$3,616 (+50.7%) |
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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.