Purchase Originations
497
Median Total Costs
$11,197
+67.6% vs national ($6,680)
↓ $970 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,775
Median Lender Credits
$653
Denial Rate
0.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 335 | 6.750% | $9,422 | $3,563 |
| fha | 99 | 6.250% | $17,294 | $4,195 |
| va | 63 | 6.250% | $13,790 | $4,581 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 298 | 6.624% | $11,787 | #112 |
| Idaho | 127 | 6.375% | $10,341 | #41 |
| Arizona | 16 | 6.250% | $7,370 | — |
| Nevada | 8 | 6.625% | $6,839 | — |
| Tennessee | 8 | 6.562% | $5,898 | — |
| Utah | 8 | 6.750% | $10,397 | — |
| Florida | 6 | 7.062% | $10,503 | — |
| Minnesota | 5 | 7.125% | $4,650 | — |
| Texas | 5 | 6.875% | $8,513 | — |
| Oregon | 4 | 6.438% | $7,475 | — |
| Washington | 4 | 6.750% | $5,731 | — |
| Georgia | 2 | 7.062% | $13,126 | — |
| Hawaii | 2 | 6.750% | $17,230 | — |
| Colorado | 1 | 6.990% | $10,218 | — |
| North Carolina | 1 | 6.125% | $4,209 | — |
| Ohio | 1 | 6.500% | $5,411 | — |
| South Carolina | 1 | 6.250% | $12,735 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,618 | 6.625% | — | 3 | −$6,579 | |
| 2 | $6,193 | 6.250% | — | 11 | −$5,004 | |
| 3 | $6,839 | 6.688% | — | 6 | −$4,358 | |
| 4 | $7,799 | 6.250% | — | 3 | −$3,398 | |
| 5 | $8,492 | 6.495% | — | 88 | −$2,705 | |
| 6 | $9,700 | 6.370% | — | 2 | −$1,497 | |
| 7 | $10,861 | 6.062% | — | 2 | −$336 | |
| 8 | $11,016 | 6.624% | — | 15 | −$181 | |
| 9 | $11,544 | 6.500% | — | 38 | +$347 | |
| 10 | $11,571 | 6.750% | — | 67 | +$374 | |
| 11 | $11,603 | 6.625% | — | 108 | +$406 | |
| 12 | $11,811 | 6.875% | — | 3 | +$614 | |
| 13 | $11,822 | 6.875% | — | 2 | +$625 | |
| 14 | $12,369 | 6.250% | — | 3 | +$1,172 | |
| 15 | $12,743 | 6.188% | — | 8 | +$1,546 | |
| 16 | $13,129 | 6.375% | — | 45 | +$1,932 | |
| 17 | $14,912 | 6.125% | — | 3 | +$3,715 | |
| 18 | $15,087 | 6.250% | — | 29 | +$3,890 | |
| 19 | $17,230 | 6.750% | — | 2 | +$6,033 | |
| 20 | $18,474 | 6.875% | — | 4 | +$7,277 |
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 | JMJ Financial Group | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $515,000 | $335,000 | +$180,000 (+53.7%) |
| Median total closing costs | $11,197 | $7,127 | +$4,070 (+57.1%) |
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.