Purchase Originations
395
Median Total Costs
$4,937
−26.1% vs national ($6,680)
↑ $235 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,325
Median Lender Credits
$173
Denial Rate
1.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 170 | 6.500% | $6,989 | $1,325 |
| conventional | 146 | 6.750% | $3,716 | $1,325 |
| va | 52 | 6.750% | $3,673 | $0 |
| usda | 27 | 6.490% | $2,190 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 233 | 6.625% | $3,911 | #50 |
| Florida | 51 | 6.250% | $7,405 | #323 |
| Texas | 39 | 6.625% | $12,067 | — |
| Arkansas | 15 | 6.490% | $5,647 | — |
| Kansas | 15 | 6.875% | $3,243 | — |
| Colorado | 13 | 6.490% | $5,544 | — |
| Oklahoma | 10 | 6.995% | $4,930 | — |
| North Carolina | 9 | 6.000% | $5,765 | — |
| Georgia | 8 | 6.750% | $5,051 | — |
| Indiana | 1 | 6.250% | $50 | — |
| Tennessee | 1 | 5.990% | $2,903 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,458 | 6.125% | — | 7 | −$3,479 | |
| 2 | $2,164 | 6.495% | — | 8 | −$2,773 | |
| 3 | $2,694 | 6.500% | — | 11 | −$2,243 | |
| 4 | $2,845 | 6.250% | — | 13 | −$2,092 | |
| 5 | $3,243 | 6.990% | — | 9 | −$1,694 | |
| 6 | $3,536 | 6.250% | — | 6 | −$1,401 | |
| 7 | $3,598 | 6.750% | — | 31 | −$1,339 | |
| 8 | $3,884 | 6.625% | — | 9 | −$1,053 | |
| 9 | $3,941 | 6.562% | — | 10 | −$996 | |
| 10 | $4,087 | 6.875% | — | 7 | −$850 | |
| 11 | $4,494 | 6.562% | — | 18 | −$443 | |
| 12 | $4,930 | 6.995% | — | 6 | −$7 | |
| 13 | $5,010 | 6.562% | — | 6 | +$73 | |
| 14 | $5,314 | 6.250% | — | 7 | +$377 | |
| 15 | $5,497 | 6.490% | — | 12 | +$560 | |
| 16 | $5,706 | 6.500% | — | 15 | +$769 | |
| 17 | $6,297 | 6.750% | — | 9 | +$1,360 | |
| 18 | $7,252 | 6.125% | — | 13 | +$2,315 | |
| 19 | $8,686 | 6.875% | — | 8 | +$3,749 | |
| 20 | $11,651 | 6.558% | — | 6 | +$6,714 |
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 | Midwest Mortgage Associates Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $4,937 | $7,127 | −$2,190 (−30.7%) |
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.