Purchase Originations
146
Median Total Costs
$3,770
−43.6% vs national ($6,680)
↓ $11 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,499
Median Lender Credits
$82
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 118 | 6.375% | $3,681 | $1,499 |
| fha | 25 | 6.490% | $6,226 | $1,399 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,711 | 6.625% | — | 1 | −$1,059 | |
| 2 | $3,077 | 6.250% | — | 2 | −$693 | |
| 3 | $3,222 | 5.875% | — | 3 | −$548 | |
| 4 | $3,379 | 6.750% | — | 2 | −$391 | |
| 5 | $3,513 | 6.490% | — | 1 | −$257 | |
| 6 | $3,663 | 6.375% | — | 15 | −$107 | |
| 7 | $3,668 | 6.375% | — | 13 | −$102 | |
| 8 | $3,743 | 6.375% | — | 16 | −$27 | |
| 9 | $3,754 | 6.375% | — | 13 | −$16 | |
| 10 | $3,831 | 6.500% | — | 31 | +$61 | |
| 11 | $3,971 | 6.375% | — | 4 | +$201 | |
| 12 | $4,029 | 6.375% | — | 4 | +$259 | |
| 13 | $4,042 | 6.490% | — | 11 | +$272 | |
| 14 | $4,140 | 5.875% | — | 5 | +$370 | |
| 15 | $4,191 | 6.625% | — | 6 | +$421 | |
| 16 | $4,265 | 6.250% | — | 3 | +$495 | |
| 17 | $5,041 | 6.688% | — | 4 | +$1,271 | |
| 18 | $5,450 | 6.312% | — | 2 | +$1,680 | |
| 19 | $7,240 | 6.120% | — | 2 | +$3,470 | |
| 20 | $9,951 | 6.490% | — | 1 | +$6,181 |
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 | MMS Mortgage Services, LTD. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $195,000 | $335,000 | −$140,000 (−41.8%) |
| Median total closing costs | $3,770 | $7,127 | −$3,357 (−47.1%) |
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.