Purchase Originations
49,204
Ranked #8 nationally
Median Total Costs
$4,713
−29.4% vs national ($6,680)
↓ $143 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,449
Median Lender Credits
$137
Cost Rank (500+ vol.)
#169
among lenders with 500+ originations
Denial Rate
5.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 47,078 | 6.375% | $4,688 | $1,490 |
| fha | 1,118 | 6.250% | $5,968 | $0 |
| va | 1,008 | 6.125% | $3,789 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 6,070 | 6.375% | $5,425 | #8 |
| New York | 5,686 | 6.375% | $6,076 | #2 |
| California | 5,072 | 6.250% | $6,083 | #6 |
| Illinois | 4,558 | 6.490% | $5,120 | #3 |
| Florida | 3,345 | 6.375% | $5,618 | #10 |
| Ohio | 2,260 | 6.490% | $3,744 | #9 |
| New Jersey | 1,926 | 6.250% | $5,608 | #5 |
| Indiana | 1,520 | 6.490% | $2,706 | #10 |
| North Carolina | 1,487 | 6.375% | $4,115 | #17 |
| Michigan | 1,433 | 6.490% | $3,327 | #12 |
| Washington | 1,345 | 6.000% | $1,491 | #11 |
| Georgia | 1,213 | 6.375% | $4,625 | #19 |
| Arizona | 1,102 | 6.375% | $4,249 | #14 |
| Pennsylvania | 997 | 6.375% | $5,087 | #19 |
| Virginia | 884 | 6.375% | $4,696 | #22 |
| Colorado | 866 | 6.250% | $3,151 | #17 |
| Maryland | 740 | 6.490% | $5,139 | #18 |
| Tennessee | 716 | 6.375% | $3,669 | #25 |
| Wisconsin | 707 | 6.375% | $3,041 | #19 |
| South Carolina | 667 | 6.375% | $4,067 | #24 |
| Massachusetts | 662 | 6.375% | $4,939 | #13 |
| Louisiana | 590 | 6.490% | $3,426 | #15 |
| Kentucky | 545 | 6.490% | $3,265 | #18 |
| Missouri | 421 | 6.375% | $3,407 | #26 |
| Nevada | 389 | 6.490% | $4,191 | #17 |
| Connecticut | 370 | 6.375% | $5,654 | #14 |
| New Mexico | 356 | 6.500% | $4,689 | #9 |
| Oregon | 346 | 6.250% | $2,620 | #30 |
| Oklahoma | 343 | 6.490% | $3,361 | #20 |
| Minnesota | 322 | 6.490% | $3,847 | #45 |
| Alabama | 279 | 6.250% | $2,892 | #42 |
| District of Columbia | 199 | 6.490% | $6,454 | #4 |
| Arkansas | 195 | 6.250% | $2,933 | #38 |
| Kansas | 193 | 6.375% | $3,189 | #36 |
| Delaware | 179 | 6.125% | $5,285 | #18 |
| Utah | 166 | 6.250% | $3,796 | #40 |
| Mississippi | 154 | 6.375% | $3,398 | #38 |
| Idaho | 148 | 6.490% | $4,891 | #36 |
| West Virginia | 148 | 6.495% | $3,394 | #24 |
| Iowa | 128 | 6.308% | $2,668 | #52 |
| Nebraska | 96 | 6.375% | $3,027 | #40 |
| New Hampshire | 85 | 6.125% | $3,946 | #31 |
| Maine | 58 | 6.125% | $4,022 | #39 |
| Montana | 58 | 6.375% | $4,386 | #32 |
| Rhode Island | 57 | 6.200% | $4,360 | #38 |
| Vermont | 28 | 6.375% | $5,000 | — |
| Wyoming | 28 | 6.495% | $4,493 | — |
| South Dakota | 20 | 6.125% | $3,346 | — |
| Alaska | 17 | 6.500% | $5,546 | — |
| North Dakota | 16 | 6.125% | $3,700 | — |
| Hawaii | 14 | 6.433% | $5,517 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $650 | 5.875% | — | 783 | −$4,063 | |
| 2 | $3,573 | 6.250% | — | 440 | −$1,140 | |
| 3 | $3,591 | 6.375% | — | 471 | −$1,122 | |
| 4 | $4,155 | 6.375% | — | 750 | −$558 | |
| 5 | $4,166 | 5.875% | — | 474 | −$547 | |
| 6 | $4,733 | 6.375% | — | 430 | +$20 | |
| 7 | $5,285 | 6.490% | — | 2,645 | +$572 | |
| 8 | $5,348 | 6.375% | — | 629 | +$635 | |
| 9 | $5,363 | 6.375% | — | 1,196 | +$650 | |
| 10 | $5,588 | 6.125% | — | 714 | +$875 | |
| 11 | $5,645 | 6.433% | — | 442 | +$932 | |
| 12 | $5,729 | 6.375% | — | 776 | +$1,016 | |
| 13 | $5,892 | 6.375% | — | 529 | +$1,179 | |
| 14 | $5,933 | 6.125% | — | 451 | +$1,220 | |
| 15 | $6,051 | 6.375% | — | 1,021 | +$1,338 | |
| 16 | $6,477 | 6.250% | — | 661 | +$1,764 | |
| 17 | $6,616 | 6.250% | — | 1,084 | +$1,903 | |
| 18 | $6,677 | 6.375% | — | 496 | +$1,964 | |
| 19 | $6,945 | 6.375% | — | 541 | +$2,232 | |
| 20 | $7,023 | 6.250% | — | 678 | +$2,310 |
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 | JPMorgan Chase Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $4,713 | $7,127 | −$2,414 (−33.9%) |
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.