Purchase Originations
1,008
Ranked #377 nationally
Median Total Costs
$13,359
+100.0% vs national ($6,680)
↓ $598 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,712
Median Lender Credits
$1,381
Cost Rank (500+ vol.)
#592
among lenders with 500+ originations
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 483 | 6.500% | $16,574 | $4,567 |
| conventional | 419 | 6.750% | $9,667 | $5,488 |
| va | 103 | 6.250% | $11,214 | $2,554 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 805 | 6.500% | $14,052 | #50 |
| Nevada | 87 | 6.990% | $11,401 | #68 |
| Arizona | 32 | 6.750% | $13,483 | — |
| Texas | 28 | 6.562% | $11,597 | — |
| Washington | 15 | 6.750% | $13,587 | — |
| Florida | 13 | 6.625% | $10,325 | — |
| Hawaii | 6 | 5.938% | $13,803 | — |
| Oregon | 5 | 6.625% | $4,935 | — |
| Montana | 4 | 6.000% | $10,635 | — |
| Oklahoma | 4 | 6.625% | $11,183 | — |
| Tennessee | 3 | 6.125% | $10,337 | — |
| Colorado | 1 | 6.500% | $5,796 | — |
| Georgia | 1 | 6.750% | $11,391 | — |
| Idaho | 1 | 5.500% | $16,356 | — |
| New Mexico | 1 | 6.250% | $18,808 | — |
| Pennsylvania | 1 | 6.625% | $10,342 | — |
| South Carolina | 1 | 5.875% | $11,764 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $8,702 | 6.625% | — | 17 | −$4,657 | |
| 2 | $8,868 | 6.933% | — | 10 | −$4,491 | |
| 3 | $9,111 | 6.250% | — | 7 | −$4,248 | |
| 4 | $9,762 | 6.688% | — | 16 | −$3,597 | |
| 5 | $9,839 | 6.500% | — | 5 | −$3,520 | |
| 6 | $9,911 | 6.500% | — | 10 | −$3,448 | |
| 7 | $11,101 | 6.812% | — | 16 | −$2,258 | |
| 8 | $11,374 | 6.990% | — | 84 | −$1,985 | |
| 9 | $11,992 | 6.125% | — | 8 | −$1,367 | |
| 10 | $12,255 | 6.438% | — | 12 | −$1,104 | |
| 11 | $12,636 | 6.125% | — | 5 | −$723 | |
| 12 | $13,062 | 6.500% | — | 21 | −$297 | |
| 13 | $13,288 | 6.875% | — | 5 | −$71 | |
| 14 | $13,411 | 6.500% | — | 210 | +$52 | |
| 15 | $14,339 | 6.688% | — | 18 | +$980 | |
| 16 | $14,498 | 6.438% | — | 6 | +$1,139 | |
| 17 | $14,828 | 6.500% | — | 91 | +$1,469 | |
| 18 | $14,881 | 6.500% | — | 292 | +$1,522 | |
| 19 | $15,187 | 6.490% | — | 8 | +$1,828 | |
| 20 | $16,977 | 5.933% | — | 68 | +$3,618 |
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 | ML Mortgage Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $13,359 | $7,127 | +$6,232 (+87.4%) |
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.