Purchase Originations
935
Ranked #397 nationally
Median Total Costs
$3,719
−44.3% vs national ($6,680)
↓ $33 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,295
Median Lender Credits
$481
Cost Rank (500+ vol.)
#85
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 685 | 6.750% | $3,426 | $1,295 |
| fha | 183 | 6.375% | $8,234 | $1,295 |
| va | 55 | 6.250% | $3,504 | $1,295 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,398 | 6.500% | — | 21 | −$321 | |
| 2 | $3,436 | 6.625% | — | 9 | −$283 | |
| 3 | $3,484 | 6.375% | — | 12 | −$235 | |
| 4 | $3,550 | 6.624% | — | 300 | −$169 | |
| 5 | $3,566 | 6.750% | — | 68 | −$153 | |
| 6 | $3,587 | 6.625% | — | 14 | −$132 | |
| 7 | $3,588 | 6.624% | — | 175 | −$131 | |
| 8 | $3,619 | 6.312% | — | 6 | −$100 | |
| 9 | $3,627 | 6.750% | — | 50 | −$92 | |
| 10 | $3,696 | 6.624% | — | 35 | −$23 | |
| 11 | $3,929 | 6.500% | — | 51 | +$210 | |
| 12 | $3,940 | 6.500% | — | 82 | +$221 | |
| 13 | $4,802 | 6.562% | — | 20 | +$1,083 | |
| 14 | $5,045 | 6.875% | — | 5 | +$1,326 | |
| 15 | $5,098 | 6.990% | — | 8 | +$1,379 | |
| 16 | $5,234 | 6.625% | — | 4 | +$1,515 | |
| 17 | $5,502 | 7.000% | — | 4 | +$1,783 | |
| 18 | $6,168 | 6.740% | — | 6 | +$2,449 | |
| 19 | $6,940 | 6.625% | — | 8 | +$3,221 | |
| 20 | $8,392 | 6.250% | — | 7 | +$4,673 |
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 | MJW Financial LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $3,719 | $7,127 | −$3,408 (−47.8%) |
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.