Purchase Originations
146
Median Total Costs
$5,025
−24.8% vs national ($6,680)
↑ $1,059 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,330
Median Lender Credits
$100
Denial Rate
0.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 105 | 6.625% | $3,477 | $1,330 |
| fha | 38 | 6.375% | $14,249 | $4,016 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,260 | 6.750% | — | 11 | −$1,765 | |
| 2 | $3,347 | 6.500% | — | 13 | −$1,678 | |
| 3 | $3,465 | 6.625% | — | 31 | −$1,560 | |
| 4 | $3,560 | 6.500% | — | 1 | −$1,465 | |
| 5 | $5,848 | 6.375% | — | 1 | +$823 | |
| 6 | $6,602 | 6.390% | — | 3 | +$1,577 | |
| 7 | $6,766 | 6.750% | — | 3 | +$1,741 | |
| 8 | $6,915 | 6.190% | — | 1 | +$1,890 | |
| 9 | $7,032 | 6.625% | — | 15 | +$2,007 | |
| 10 | $7,133 | 6.375% | — | 3 | +$2,108 | |
| 11 | $8,929 | 6.625% | — | 60 | +$3,904 | |
| 12 | $8,988 | 7.000% | — | 1 | +$3,963 | |
| 13 | $10,974 | 6.000% | — | 1 | +$5,949 | |
| 14 | $11,342 | 6.188% | — | 2 | +$6,317 |
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 | M2 Lending Solutions, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $490,000 | $335,000 | +$155,000 (+46.3%) |
| Median total closing costs | $5,025 | $7,127 | −$2,102 (−29.5%) |
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.