Purchase Originations
4,094
Ranked #119 nationally
Median Total Costs
$7,116
+6.5% vs national ($6,680)
↓ $107 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,115
Median Lender Credits
$95
Cost Rank (500+ vol.)
#374
among lenders with 500+ originations
Denial Rate
8.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,131 | 6.750% | $5,340 | $1,892 |
| fha | 1,432 | 6.500% | $9,808 | $2,652 |
| va | 426 | 6.500% | $6,903 | $1,690 |
| usda | 105 | 6.500% | $6,294 | $1,745 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 1,158 | 6.625% | $5,964 | #13 |
| Illinois | 447 | 6.875% | $6,827 | #52 |
| Florida | 404 | 6.500% | $8,316 | #104 |
| Kansas | 314 | 6.625% | $6,188 | #22 |
| California | 269 | 6.490% | $12,596 | #121 |
| Alabama | 192 | 6.625% | $8,309 | #55 |
| Maine | 176 | 6.625% | $4,676 | #16 |
| Indiana | 163 | 6.875% | $5,414 | #96 |
| Texas | 139 | 6.500% | $7,778 | #243 |
| Washington | 137 | 6.625% | $8,837 | #86 |
| Georgia | 118 | 6.500% | $9,680 | #130 |
| Michigan | 95 | 6.625% | $6,149 | #114 |
| Colorado | 74 | 6.500% | $9,949 | #123 |
| Tennessee | 73 | 6.625% | $8,439 | #150 |
| Arkansas | 68 | 6.625% | $7,783 | #81 |
| Ohio | 61 | 6.625% | $8,483 | #168 |
| Nevada | 42 | 6.875% | $10,426 | — |
| Kentucky | 28 | 6.495% | $6,929 | — |
| Wisconsin | 25 | 6.990% | $5,153 | — |
| Pennsylvania | 17 | 6.750% | $7,667 | — |
| Maryland | 15 | 6.500% | $9,464 | — |
| Mississippi | 12 | 6.750% | $7,848 | — |
| Oregon | 9 | 6.375% | $6,103 | — |
| Arizona | 8 | 6.812% | $10,395 | — |
| Oklahoma | 7 | 6.500% | $6,838 | — |
| South Carolina | 7 | 6.625% | $11,747 | — |
| Virginia | 7 | 6.625% | $11,061 | — |
| North Carolina | 6 | 6.495% | $8,776 | — |
| Delaware | 5 | 6.990% | $8,056 | — |
| Nebraska | 4 | 6.495% | $8,868 | — |
| Connecticut | 3 | 6.500% | $4,875 | — |
| Massachusetts | 3 | 6.990% | $11,696 | — |
| Wyoming | 3 | 6.625% | $5,382 | — |
| Iowa | 2 | 6.562% | $7,756 | — |
| Idaho | 1 | 6.990% | $7,421 | — |
| Minnesota | 1 | 6.250% | $12,045 | — |
| New Hampshire | 1 | 6.624% | $4,260 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,384 | 6.750% | — | 91 | −$2,732 | |
| 2 | $4,436 | 6.625% | — | 43 | −$2,680 | |
| 3 | $4,482 | 6.625% | — | 51 | −$2,634 | |
| 4 | $4,665 | 6.750% | — | 103 | −$2,451 | |
| 5 | $4,742 | 6.625% | — | 183 | −$2,374 | |
| 6 | $5,322 | 6.625% | — | 44 | −$1,794 | |
| 7 | $6,010 | 6.500% | — | 43 | −$1,106 | |
| 8 | $6,446 | 6.625% | — | 379 | −$670 | |
| 9 | $6,590 | 6.625% | — | 58 | −$526 | |
| 10 | $6,753 | 6.750% | — | 47 | −$363 | |
| 11 | $6,943 | 6.625% | — | 59 | −$173 | |
| 12 | $6,994 | 6.625% | — | 144 | −$122 | |
| 13 | $7,112 | 6.875% | — | 226 | −$4 | |
| 14 | $7,138 | 6.875% | — | 50 | +$22 | |
| 15 | $7,571 | 6.562% | — | 46 | +$455 | |
| 16 | $7,957 | 6.625% | — | 121 | +$841 | |
| 17 | $8,556 | 6.500% | — | 47 | +$1,440 | |
| 18 | $8,628 | 6.490% | — | 43 | +$1,512 | |
| 19 | $10,426 | 6.875% | — | 42 | +$3,310 | |
| 20 | $12,596 | 6.375% | — | 154 | +$5,480 |
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 | Leaderone Financial Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $7,116 | $7,127 | −$11 (−0.2%) |
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.