Purchase Originations
213
Median Total Costs
$12,645
+89.3% vs national ($6,680)
↑ $1,361 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$6,288
Median Lender Credits
$5,015
Denial Rate
1.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 170 | 6.750% | $12,279 | $6,639 |
| fha | 27 | 6.500% | $20,739 | $7,845 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 179 | 6.750% | $12,377 | #115 |
| Maryland | 15 | 6.250% | $20,255 | — |
| Delaware | 6 | 6.558% | $14,966 | — |
| New Jersey | 6 | 6.812% | $15,059 | — |
| Virginia | 4 | 6.562% | $8,207 | — |
| Florida | 1 | 5.500% | $8,998 | — |
| North Carolina | 1 | 6.750% | $22,416 | — |
| Tennessee | 1 | 6.500% | $16,064 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,241 | 6.433% | — | 2 | −$7,404 | |
| 2 | $8,389 | 6.750% | — | 3 | −$4,256 | |
| 3 | $8,998 | 5.500% | — | 1 | −$3,647 | |
| 4 | $9,171 | 6.562% | — | 2 | −$3,474 | |
| 5 | $9,834 | 6.125% | — | 1 | −$2,811 | |
| 6 | $11,868 | 6.750% | — | 40 | −$777 | |
| 7 | $11,902 | 6.375% | — | 1 | −$743 | |
| 8 | $11,953 | 6.688% | — | 34 | −$692 | |
| 9 | $12,060 | 6.812% | — | 30 | −$585 | |
| 10 | $12,896 | 6.625% | — | 34 | +$251 | |
| 11 | $12,931 | 6.500% | — | 1 | +$286 | |
| 12 | $13,420 | 6.625% | — | 1 | +$775 | |
| 13 | $16,013 | 6.500% | — | 32 | +$3,368 | |
| 14 | $16,064 | 6.500% | — | 1 | +$3,419 | |
| 15 | $16,697 | 6.875% | — | 3 | +$4,052 | |
| 16 | $18,762 | 6.750% | — | 4 | +$6,117 | |
| 17 | $19,849 | 6.750% | — | 5 | +$7,204 | |
| 18 | $20,427 | 6.375% | — | 14 | +$7,782 | |
| 19 | $22,416 | 6.750% | — | 1 | +$9,771 | |
| 20 | $29,584 | 6.875% | — | 1 | +$16,939 |
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 | Mde Home Loans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $625,000 | $335,000 | +$290,000 (+86.6%) |
| Median total closing costs | $12,645 | $7,127 | +$5,518 (+77.4%) |
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.