Purchase Originations
288
Median Total Costs
$3,843
−42.5% vs national ($6,680)
↑ $309 vs prior year
Median Rate
5.812%
−10.4% vs national (6.490%)
↓ 0.313% vs prior year
Median Origination
$999
Median Lender Credits
$1,000
Denial Rate
5.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 288 | 5.812% | $3,843 | $999 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Connecticut | 181 | 5.875% | $3,717 | #32 |
| Massachusetts | 90 | 5.625% | $4,101 | #96 |
| New Hampshire | 7 | 5.875% | $3,451 | — |
| Florida | 4 | 5.938% | $5,029 | — |
| Rhode Island | 3 | 6.125% | $3,195 | — |
| Maine | 2 | 5.438% | $2,984 | — |
| Maryland | 1 | 5.375% | $5,400 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,984 | 5.438% | — | 2 | −$859 | |
| 2 | $3,132 | 6.500% | — | 1 | −$711 | |
| 3 | $3,379 | 6.558% | — | 2 | −$464 | |
| 4 | $3,434 | 5.875% | — | 3 | −$409 | |
| 5 | $3,438 | 6.438% | — | 8 | −$405 | |
| 6 | $3,448 | 6.625% | — | 5 | −$395 | |
| 7 | $3,484 | 5.688% | — | 14 | −$359 | |
| 8 | $3,634 | 5.875% | — | 85 | −$209 | |
| 9 | $3,654 | 6.250% | — | 3 | −$189 | |
| 10 | $3,715 | 5.875% | — | 51 | −$128 | |
| 11 | $3,806 | 5.500% | — | 3 | −$37 | |
| 12 | $4,060 | 5.875% | — | 17 | +$217 | |
| 13 | $4,062 | 5.500% | — | 3 | +$219 | |
| 14 | $4,069 | 5.438% | — | 2 | +$226 | |
| 15 | $4,079 | 5.625% | — | 3 | +$236 | |
| 16 | $4,168 | 6.183% | — | 2 | +$325 | |
| 17 | $4,239 | 5.875% | — | 15 | +$396 | |
| 18 | $4,295 | 5.500% | — | 42 | +$452 | |
| 19 | $4,454 | 5.375% | — | 11 | +$611 | |
| 20 | $4,476 | 5.750% | — | 8 | +$633 |
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 | Members Mortgage Company, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $3,843 | $7,127 | −$3,284 (−46.1%) |
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.