Purchase Originations
895
Ranked #411 nationally
Median Total Costs
$4,895
−26.7% vs national ($6,680)
↑ $360 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$595
Median Lender Credits
$75
Cost Rank (500+ vol.)
#187
among lenders with 500+ originations
Denial Rate
1.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 857 | 6.000% | $4,826 | $595 |
| fha | 36 | 5.875% | $6,574 | $895 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 267 | 5.900% | $4,571 | #168 |
| Oklahoma | 252 | 6.125% | $4,402 | #31 |
| California | 156 | 5.800% | $7,072 | #163 |
| Arizona | 120 | 6.263% | $4,477 | #91 |
| Colorado | 45 | 5.625% | $2,377 | — |
| Utah | 15 | 5.875% | $21,594 | — |
| Nevada | 8 | 5.875% | $5,710 | — |
| New Mexico | 6 | 6.000% | $15,566 | — |
| Florida | 4 | 5.888% | $8,842 | — |
| North Carolina | 3 | 5.625% | $3,262 | — |
| New York | 3 | 6.125% | $8,534 | — |
| Arkansas | 2 | 6.188% | $3,334 | — |
| Maryland | 2 | 5.250% | $4,488 | — |
| Washington | 2 | 5.625% | $9,329 | — |
| Georgia | 1 | 3.250% | $1,710 | — |
| Indiana | 1 | 6.875% | $1,849 | — |
| Massachusetts | 1 | 6.000% | $7,763 | — |
| Missouri | 1 | 6.125% | $2,958 | — |
| Montana | 1 | 5.875% | $2,291 | — |
| New Jersey | 1 | 6.125% | $6,351 | — |
| Ohio | 1 | 4.500% | $2,943 | — |
| Pennsylvania | 1 | 3.250% | $3,493 | — |
| South Carolina | 1 | 5.625% | $5,737 | — |
| Wisconsin | 1 | 5.625% | $4,135 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,219 | 5.370% | — | 23 | −$2,676 | |
| 2 | $2,261 | 5.370% | — | 6 | −$2,634 | |
| 3 | $3,982 | 6.000% | — | 49 | −$913 | |
| 4 | $4,055 | 6.188% | — | 20 | −$840 | |
| 5 | $4,206 | 5.800% | — | 9 | −$689 | |
| 6 | $4,229 | 6.250% | — | 145 | −$666 | |
| 7 | $4,346 | 5.875% | — | 158 | −$549 | |
| 8 | $4,476 | 6.275% | — | 115 | −$419 | |
| 9 | $4,590 | 6.000% | — | 42 | −$305 | |
| 10 | $5,769 | 6.000% | — | 9 | +$874 | |
| 11 | $5,948 | 6.125% | — | 12 | +$1,053 | |
| 12 | $6,271 | 5.750% | — | 11 | +$1,376 | |
| 13 | $6,416 | 6.000% | — | 11 | +$1,521 | |
| 14 | $6,655 | 6.062% | — | 8 | +$1,760 | |
| 15 | $7,029 | 5.875% | — | 123 | +$2,134 | |
| 16 | $8,122 | 6.438% | — | 8 | +$3,227 | |
| 17 | $9,796 | 5.375% | — | 12 | +$4,901 | |
| 18 | $12,552 | 5.875% | — | 6 | +$7,657 | |
| 19 | $15,566 | 6.000% | — | 6 | +$10,671 | |
| 20 | $19,672 | 6.000% | — | 6 | +$14,777 |
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 | MidFirst Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $525,000 | $335,000 | +$190,000 (+56.7%) |
| Median total closing costs | $4,895 | $7,127 | −$2,232 (−31.3%) |
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.