We analyzed 2,793,296 federally reported mortgage loans to rank every lender by the rates and fees borrowers actually paid — not advertised rates. Data from the CFPB Home Mortgage Disclosure Act, 2025.
Median Total Costs
$6,680
Median Rate
6.490%
Median Origination
$1,884
Purchase Originations
2.8M
Among lenders with 500+ purchase originations.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 5.750% | $0 | 883 | −$6,680 | |
| 2 | $0 | 6.500% | $0 | 758 | −$6,680 | |
| 3 | $0 | 6.250% | $0 | 667 | −$6,680 | |
| 4 | $0 | 7.250% | $0 | 1,881 | −$6,680 | |
| 5 | $572 | 6.250% | $0 | 1,071 | −$6,108 | |
| 6 | $750 | 6.625% | $0 | 1,155 | −$5,930 | |
| 7 | $1,386 | 6.375% | $350 | 1,129 | −$5,294 | |
| 8 | $1,714 | 6.500% | $0 | 725 | −$4,966 | |
| 9 | $1,751 | 6.625% | $500 | 1,038 | −$4,929 | |
| 10 | $1,898 | 6.000% | $750 | 1,187 | −$4,782 | |
| 11 | $1,955 | 6.125% | $500 | 2,287 | −$4,725 | |
| 12 | $2,022 | 5.500% | $0 | 17,555 | −$4,658 | |
| 13 | $2,119 | 6.250% | $725 | 6,741 | −$4,561 | |
| 14 | $2,158 | 6.250% | $0 | 1,669 | −$4,522 | |
| 15 | $2,165 | 6.290% | $600 | 643 | −$4,515 | |
| 16 | $2,195 | 6.550% | $467 | 513 | −$4,485 | |
| 17 | $2,221 | 6.500% | $799 | 1,092 | −$4,459 | |
| 18 | $2,247 | 6.500% | $495 | 608 | −$4,433 | |
| 19 | $2,273 | 8.000% | $1,805 | 2,542 | −$4,407 | |
| 20 | $2,390 | 6.500% | $640 | 1,345 | −$4,290 | |
| 21 | $2,393 | 6.250% | $150 | 611 | −$4,287 | |
| 22 | $2,400 | 6.125% | $695 | 614 | −$4,280 | |
| 23 | $2,401 | 6.125% | $950 | 698 | −$4,279 | |
| 24 | $2,408 | 7.750% | $0 | 4,419 | −$4,272 | |
| 25 | $2,434 | 6.250% | $1,325 | 639 | −$4,246 |
Includes lenders with 500+ purchase originations in the U.S.. Source: HMDA 2025. Sorted by median total loan costs.
Alabama
47,517 originations
Alaska
5,732 originations
Arizona
77,729 originations
Arkansas
27,536 originations
California
202,121 originations
Colorado
65,825 originations
Connecticut
22,440 originations
Delaware
10,397 originations
District of Columbia
4,658 originations
Florida
227,639 originations
Georgia
101,992 originations
GU
125 originations
Hawaii
7,505 originations
Idaho
21,356 originations
Illinois
98,029 originations
Indiana
71,927 originations
Iowa
29,193 originations
Kansas
25,930 originations
Kentucky
38,932 originations
Louisiana
31,074 originations
Maine
11,451 originations
Maryland
51,786 originations
Massachusetts
46,829 originations
Michigan
85,764 originations
Minnesota
54,009 originations
Mississippi
20,202 originations
Missouri
58,571 originations
Montana
8,523 originations
Nebraska
17,477 originations
Nevada
31,084 originations
New Hampshire
11,849 originations
New Jersey
62,193 originations
New Mexico
16,306 originations
New York
93,742 originations
North Carolina
118,473 originations
North Dakota
6,052 originations
Ohio
105,880 originations
Oklahoma
34,175 originations
Oregon
36,392 originations
Pennsylvania
94,434 originations
Puerto Rico
9,892 originations
Rhode Island
7,993 originations
South Carolina
67,664 originations
South Dakota
6,721 originations
Tennessee
70,663 originations
Texas
287,843 originations
Utah
34,376 originations
Vermont
4,427 originations
VI
89 originations
Virginia
84,640 originations
Washington
68,988 originations
West Virginia
12,712 originations
Wisconsin
49,332 originations
Wyoming
5,107 originations
HMDA covers the median loan. Our Lender Directory adds closing-disclosure fee breakdowns and borrower reviews on top of the HMDA baseline.
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All statistics are based on the HMDA Modified Loan Application Register — the most comprehensive public dataset of U.S. mortgage originations. We include only originated first-lien purchase mortgages on owner-occupied principal residences, and only rows where rate and cost fields are reported (not exempt or missing). We use medians, not averages, to reduce the influence of outliers. Lenders must have 500+ purchase originations nationally to appear in national rankings, 50+ for state rankings, and 10+ for county rankings.
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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.