Purchase Originations
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Ranked #489 nationally
Median Total Costs
$5,618
−15.9% vs national ($6,680)
↑ $93 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,465
Median Lender Credits
$100
Cost Rank (500+ vol.)
#248
among lenders with 500+ originations
Denial Rate
25.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 728 | 6.375% | $5,618 | $1,465 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 725 | 6.375% | $5,637 | #62 |
| North Carolina | 1 | 7.000% | $2,940 | — |
| South Carolina | 1 | 6.250% | $3,828 | — |
| Tennessee | 1 | 7.125% | $4,023 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,167 | 6.250% | — | 17 | −$1,451 | |
| 2 | $4,524 | 6.375% | — | 38 | −$1,094 | |
| 3 | $4,626 | 6.500% | — | 34 | −$992 | |
| 4 | $5,108 | 6.250% | — | 28 | −$510 | |
| 5 | $5,155 | 6.125% | — | 18 | −$463 | |
| 6 | $5,324 | 6.375% | — | 13 | −$294 | |
| 7 | $5,359 | 6.375% | — | 17 | −$259 | |
| 8 | $5,392 | 6.490% | — | 237 | −$226 | |
| 9 | $5,422 | 6.375% | — | 35 | −$196 | |
| 10 | $5,469 | 6.375% | — | 11 | −$149 | |
| 11 | $5,571 | 6.500% | — | 11 | −$47 | |
| 12 | $5,595 | 6.438% | — | 18 | −$23 | |
| 13 | $5,705 | 6.125% | — | 13 | +$87 | |
| 14 | $5,713 | 6.500% | — | 10 | +$95 | |
| 15 | $5,829 | 6.375% | — | 42 | +$211 | |
| 16 | $6,085 | 6.500% | — | 26 | +$467 | |
| 17 | $6,507 | 6.250% | — | 10 | +$889 | |
| 18 | $6,632 | 6.375% | — | 14 | +$1,014 | |
| 19 | $7,251 | 6.375% | — | 52 | +$1,633 | |
| 20 | $7,768 | 6.375% | — | 9 | +$2,150 |
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 | Midflorida | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $5,618 | $7,127 | −$1,509 (−21.2%) |
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.