Purchase Originations
634
Ranked #544 nationally
Median Total Costs
$7,596
+13.7% vs national ($6,680)
↓ $91 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.375% vs prior year
Median Origination
$2,971
Median Lender Credits
$150
Cost Rank (500+ vol.)
#413
among lenders with 500+ originations
Denial Rate
6.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| va | 598 | 6.625% | $7,471 | $2,884 |
| fha | 22 | 6.558% | $11,397 | $3,922 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 173 | 6.625% | $8,023 | #173 |
| North Carolina | 87 | 6.625% | $6,985 | #160 |
| Georgia | 78 | 6.625% | $6,916 | #158 |
| Texas | 76 | 6.500% | $8,943 | #308 |
| Virginia | 38 | 6.750% | $9,259 | — |
| Indiana | 28 | 6.495% | $7,096 | — |
| South Carolina | 27 | 6.500% | $7,092 | — |
| Alabama | 22 | 6.750% | $6,812 | — |
| Missouri | 21 | 6.625% | $6,047 | — |
| Pennsylvania | 13 | 6.750% | $7,463 | — |
| Ohio | 11 | 6.250% | $7,681 | — |
| Tennessee | 10 | 6.312% | $6,771 | — |
| Illinois | 8 | 6.500% | $10,036 | — |
| Mississippi | 8 | 6.375% | $4,732 | — |
| Washington | 8 | 6.562% | $19,456 | — |
| Arkansas | 7 | 6.625% | $8,774 | — |
| Colorado | 4 | 5.875% | $6,689 | — |
| Maryland | 4 | 7.058% | $8,881 | — |
| Minnesota | 4 | 6.562% | $6,340 | — |
| New Mexico | 3 | 6.490% | $10,009 | — |
| Kansas | 2 | 6.000% | $6,234 | — |
| California | 1 | 6.875% | $3,339 | — |
| Wisconsin | 1 | 6.625% | $4,557 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,312 | 6.500% | — | 6 | −$2,284 | |
| 2 | $5,326 | 6.438% | — | 6 | −$2,270 | |
| 3 | $5,417 | 6.375% | — | 7 | −$2,179 | |
| 4 | $5,796 | 6.562% | — | 6 | −$1,800 | |
| 5 | $6,344 | 6.750% | — | 6 | −$1,252 | |
| 6 | $6,690 | 6.438% | — | 8 | −$906 | |
| 7 | $6,843 | 6.870% | — | 10 | −$753 | |
| 8 | $7,252 | 6.750% | — | 13 | −$344 | |
| 9 | $7,270 | 6.990% | — | 5 | −$326 | |
| 10 | $7,363 | 6.500% | — | 11 | −$233 | |
| 11 | $8,633 | 6.625% | — | 7 | +$1,037 | |
| 12 | $9,199 | 6.124% | — | 6 | +$1,603 | |
| 13 | $9,293 | 6.750% | — | 11 | +$1,697 | |
| 14 | $9,816 | 6.990% | — | 7 | +$2,220 | |
| 15 | $9,982 | 6.500% | — | 8 | +$2,386 | |
| 16 | $10,127 | 6.625% | — | 11 | +$2,531 | |
| 17 | $10,137 | 6.750% | — | 9 | +$2,541 | |
| 18 | $10,604 | 6.375% | — | 10 | +$3,008 | |
| 19 | $10,762 | 6.375% | — | 7 | +$3,166 | |
| 20 | $15,495 | 6.625% | — | 6 | +$7,899 |
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 | Mid-Continent Funding, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $7,596 | $7,127 | +$469 (+6.6%) |
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.