Purchase Originations
842
Ranked #431 nationally
Median Total Costs
$6,284
−5.9% vs national ($6,680)
↑ $140 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,495
Median Lender Credits
$10,988
Cost Rank (500+ vol.)
#306
among lenders with 500+ originations
Denial Rate
2.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 598 | 6.625% | $4,807 | $1,195 |
| fha | 184 | 6.375% | $11,675 | $1,596 |
| va | 53 | 6.125% | $7,878 | $1,494 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Colorado | 360 | 6.562% | $5,757 | #44 |
| Minnesota | 161 | 6.625% | $5,813 | #70 |
| Missouri | 121 | 6.500% | $5,329 | #78 |
| California | 69 | 6.500% | $11,669 | #232 |
| Maine | 45 | 6.125% | $6,860 | — |
| Washington | 16 | 6.562% | $10,142 | — |
| Kansas | 12 | 6.562% | $3,558 | — |
| Florida | 11 | 6.625% | $7,756 | — |
| Arizona | 6 | 6.625% | $4,652 | — |
| Idaho | 5 | 6.125% | $7,042 | — |
| New Hampshire | 5 | 7.000% | $4,752 | — |
| Nevada | 5 | 7.000% | $12,648 | — |
| Iowa | 4 | 6.312% | $4,173 | — |
| Massachusetts | 4 | 7.062% | $5,263 | — |
| Texas | 4 | 6.688% | $13,507 | — |
| Georgia | 3 | 6.625% | $7,689 | — |
| Wisconsin | 3 | 6.125% | $11,087 | — |
| Tennessee | 2 | 6.375% | $8,746 | — |
| Wyoming | 2 | 6.312% | $14,601 | — |
| Alabama | 1 | 6.750% | $7,617 | — |
| North Carolina | 1 | 6.750% | $3,308 | — |
| Nebraska | 1 | 6.125% | $3,193 | — |
| New Mexico | 1 | 7.000% | $4,019 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,610 | 6.875% | — | 9 | −$2,674 | |
| 2 | $4,283 | 6.625% | — | 71 | −$2,001 | |
| 3 | $4,595 | 6.750% | — | 11 | −$1,689 | |
| 4 | $4,881 | 6.625% | — | 52 | −$1,403 | |
| 5 | $4,924 | 6.625% | — | 40 | −$1,360 | |
| 6 | $5,162 | 6.625% | — | 11 | −$1,122 | |
| 7 | $5,173 | 6.500% | — | 43 | −$1,111 | |
| 8 | $5,204 | 6.750% | — | 42 | −$1,080 | |
| 9 | $5,272 | 6.625% | — | 42 | −$1,012 | |
| 10 | $5,797 | 6.625% | — | 31 | −$487 | |
| 11 | $6,219 | 6.562% | — | 16 | −$65 | |
| 12 | $6,247 | 6.500% | — | 9 | −$37 | |
| 13 | $7,248 | 6.625% | — | 31 | +$964 | |
| 14 | $7,369 | 6.250% | — | 42 | +$1,085 | |
| 15 | $7,675 | 6.125% | — | 11 | +$1,391 | |
| 16 | $7,889 | 6.500% | — | 33 | +$1,605 | |
| 17 | $10,240 | 6.500% | — | 13 | +$3,956 | |
| 18 | $11,377 | 6.500% | — | 39 | +$5,093 | |
| 19 | $13,301 | 6.375% | — | 9 | +$7,017 | |
| 20 | $13,512 | 6.125% | — | 43 | +$7,228 |
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 | Megastar Financial Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $370,000 | $335,000 | +$35,000 (+10.4%) |
| Median total closing costs | $6,284 | $7,127 | −$843 (−11.8%) |
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.