Purchase Originations
847
Ranked #426 nationally
Median Total Costs
$7,294
+9.2% vs national ($6,680)
↑ $758 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,625
Median Lender Credits
$203
Cost Rank (500+ vol.)
#392
among lenders with 500+ originations
Denial Rate
12.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 589 | 6.250% | $6,232 | $1,790 |
| fha | 220 | 6.375% | $8,642 | $1,499 |
| va | 27 | 6.375% | $6,581 | $1,499 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Michigan | 203 | 6.375% | $7,027 | #78 |
| Texas | 123 | 6.250% | $8,469 | #256 |
| Georgia | 82 | 6.250% | $7,563 | #155 |
| Illinois | 63 | 6.375% | $6,338 | #177 |
| Indiana | 62 | 6.625% | $3,315 | #156 |
| Washington | 58 | 6.000% | $12,856 | #144 |
| Pennsylvania | 55 | 6.500% | $5,559 | #201 |
| Florida | 25 | 6.125% | $9,289 | — |
| New Jersey | 23 | 6.500% | $6,868 | — |
| Oregon | 21 | 6.125% | $8,788 | — |
| Ohio | 20 | 6.625% | $5,073 | — |
| West Virginia | 14 | 6.500% | $5,180 | — |
| Minnesota | 12 | 5.750% | $9,652 | — |
| Kentucky | 11 | 6.625% | $4,270 | — |
| Vermont | 10 | 6.500% | $9,370 | — |
| California | 9 | 5.500% | $9,572 | — |
| North Carolina | 9 | 6.625% | $4,624 | — |
| New Mexico | 7 | 6.000% | $10,757 | — |
| Wisconsin | 6 | 5.750% | $11,323 | — |
| South Carolina | 5 | 6.000% | $6,603 | — |
| Virginia | 5 | 5.750% | $14,897 | — |
| Louisiana | 4 | 6.000% | $9,070 | — |
| Massachusetts | 3 | 6.250% | $10,908 | — |
| Oklahoma | 3 | 6.375% | $4,642 | — |
| Alabama | 2 | 5.938% | $9,100 | — |
| Arkansas | 2 | 5.938% | $5,225 | — |
| Mississippi | 2 | 6.438% | $7,086 | — |
| Alaska | 1 | 6.375% | $13,074 | — |
| Connecticut | 1 | 6.125% | $6,219 | — |
| Kansas | 1 | 6.625% | $7,005 | — |
| Missouri | 1 | 5.500% | $3,217 | — |
| Montana | 1 | 6.125% | $4,882 | — |
| Nebraska | 1 | 6.000% | $6,807 | — |
| Tennessee | 1 | 6.375% | $3,604 | — |
| Wyoming | 1 | 6.500% | $2,178 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,119 | 6.812% | — | 10 | −$4,175 | |
| 2 | $4,813 | 6.500% | — | 9 | −$2,481 | |
| 3 | $5,510 | 6.812% | — | 8 | −$1,784 | |
| 4 | $5,517 | 6.500% | — | 9 | −$1,777 | |
| 5 | $5,536 | 6.375% | — | 9 | −$1,758 | |
| 6 | $5,683 | 6.500% | — | 10 | −$1,611 | |
| 7 | $6,085 | 6.250% | — | 7 | −$1,209 | |
| 8 | $6,197 | 6.375% | — | 12 | −$1,097 | |
| 9 | $6,224 | 6.125% | — | 10 | −$1,070 | |
| 10 | $7,158 | 6.375% | — | 32 | −$136 | |
| 11 | $7,159 | 6.188% | — | 26 | −$135 | |
| 12 | $7,331 | 6.000% | — | 24 | +$37 | |
| 13 | $8,905 | 5.938% | — | 18 | +$1,611 | |
| 14 | $9,033 | 6.125% | — | 20 | +$1,739 | |
| 15 | $9,404 | 6.500% | — | 7 | +$2,110 | |
| 16 | $9,564 | 6.062% | — | 16 | +$2,270 | |
| 17 | $10,149 | 6.000% | — | 59 | +$2,855 | |
| 18 | $11,600 | 6.625% | — | 9 | +$4,306 | |
| 19 | $13,884 | 6.000% | — | 22 | +$6,590 | |
| 20 | $14,338 | 5.938% | — | 10 | +$7,044 |
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 | Member First Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $275,000 | $335,000 | −$60,000 (−17.9%) |
| Median total closing costs | $7,294 | $7,127 | +$167 (+2.3%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.