Purchase Originations
139
Median Total Costs
$5,641
−15.6% vs national ($6,680)
↑ $73 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,782
Median Lender Credits
$91
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 93 | 6.500% | $4,948 | $2,020 |
| fha | 24 | 6.250% | $8,858 | $1,811 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Maryland | 90 | 6.500% | $5,848 | #101 |
| Pennsylvania | 27 | 6.625% | $5,095 | — |
| West Virginia | 20 | 6.500% | $5,931 | — |
| North Carolina | 1 | 6.375% | $3,936 | — |
| Virginia | 1 | 6.750% | $2,918 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,002 | 6.438% | — | 2 | −$1,639 | |
| 2 | $4,244 | 6.500% | — | 9 | −$1,397 | |
| 3 | $4,709 | 6.500% | — | 1 | −$932 | |
| 4 | $4,728 | 6.000% | — | 1 | −$913 | |
| 5 | $4,955 | 6.875% | — | 3 | −$686 | |
| 6 | $5,023 | 6.438% | — | 4 | −$618 | |
| 7 | $5,074 | 6.500% | — | 3 | −$567 | |
| 8 | $5,095 | 6.875% | — | 3 | −$546 | |
| 9 | $5,171 | 6.500% | — | 8 | −$470 | |
| 10 | $5,397 | 6.500% | — | 9 | −$244 | |
| 11 | $5,712 | 6.500% | — | 32 | +$71 | |
| 12 | $5,954 | 6.375% | — | 27 | +$313 | |
| 13 | $6,008 | 6.875% | — | 3 | +$367 | |
| 14 | $6,364 | 6.500% | — | 5 | +$723 | |
| 15 | $6,514 | 6.500% | — | 11 | +$873 | |
| 16 | $6,703 | 6.500% | — | 4 | +$1,062 | |
| 17 | $7,008 | 7.188% | — | 2 | +$1,367 | |
| 18 | $7,175 | 6.500% | — | 1 | +$1,534 | |
| 19 | $7,975 | 6.312% | — | 2 | +$2,334 | |
| 20 | $8,546 | 6.375% | — | 4 | +$2,905 |
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 | Millennium Financial Group, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $215,000 | $335,000 | −$120,000 (−35.8%) |
| Median total closing costs | $5,641 | $7,127 | −$1,486 (−20.9%) |
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.