Purchase Originations
204
Median Total Costs
$6,850
+2.5% vs national ($6,680)
↓ $840 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,790
Median Lender Credits
$495
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 178 | 6.500% | $6,521 | $1,790 |
| fha | 20 | 6.125% | $13,902 | $1,295 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 184 | 6.375% | $6,973 | #71 |
| Pennsylvania | 11 | 6.625% | $5,929 | — |
| New York | 7 | 6.625% | $5,929 | — |
| Florida | 2 | 6.688% | $9,894 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,223 | 6.625% | — | 2 | −$1,627 | |
| 2 | $5,680 | 6.312% | — | 2 | −$1,170 | |
| 3 | $5,717 | 6.312% | — | 2 | −$1,133 | |
| 4 | $6,006 | 6.375% | — | 10 | −$844 | |
| 5 | $6,074 | 6.625% | — | 22 | −$776 | |
| 6 | $6,470 | 6.875% | — | 3 | −$380 | |
| 7 | $6,490 | 6.000% | — | 35 | −$360 | |
| 8 | $6,792 | 6.375% | — | 10 | −$58 | |
| 9 | $6,856 | 6.625% | — | 21 | +$6 | |
| 10 | $7,047 | 6.500% | — | 20 | +$197 | |
| 11 | $7,248 | 6.250% | — | 17 | +$398 | |
| 12 | $7,473 | 6.562% | — | 2 | +$623 | |
| 13 | $7,586 | 6.250% | — | 3 | +$736 | |
| 14 | $8,155 | 6.250% | — | 16 | +$1,305 | |
| 15 | $8,243 | 6.562% | — | 8 | +$1,393 | |
| 16 | $8,722 | 6.562% | — | 2 | +$1,872 | |
| 17 | $9,203 | 6.438% | — | 4 | +$2,353 | |
| 18 | $10,141 | 6.375% | — | 5 | +$3,291 | |
| 19 | $12,009 | 7.000% | — | 2 | +$5,159 | |
| 20 | $12,796 | 6.125% | — | 6 | +$5,946 |
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 | Millenium Home Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $440,000 | $335,000 | +$105,000 (+31.3%) |
| Median total closing costs | $6,850 | $7,127 | −$277 (−3.9%) |
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.