Purchase Originations
1,443
Ranked #288 nationally
Median Total Costs
$6,488
−2.9% vs national ($6,680)
↓ $670 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.260% vs prior year
Median Origination
$1,884
Median Lender Credits
$1,225
Cost Rank (500+ vol.)
#322
among lenders with 500+ originations
Denial Rate
3.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,231 | 6.625% | $6,256 | $1,884 |
| fha | 117 | 6.250% | $12,464 | $1,879 |
| va | 93 | 6.125% | $8,404 | $759 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 526 | 6.625% | $6,462 | #31 |
| Pennsylvania | 146 | 6.490% | $7,021 | #127 |
| Texas | 116 | 6.375% | $9,192 | #264 |
| Virginia | 73 | 6.500% | $6,070 | #152 |
| Michigan | 61 | 6.490% | $4,231 | #142 |
| Maryland | 55 | 6.490% | $6,114 | #132 |
| Idaho | 31 | 6.490% | $5,300 | — |
| Oklahoma | 30 | 6.625% | $6,134 | — |
| Tennessee | 29 | 6.490% | $8,120 | — |
| North Carolina | 28 | 6.562% | $6,266 | — |
| New York | 28 | 6.625% | $5,972 | — |
| Ohio | 27 | 6.625% | $5,200 | — |
| Illinois | 21 | 6.250% | $6,744 | — |
| Florida | 20 | 6.375% | $9,360 | — |
| Kentucky | 20 | 6.370% | $4,037 | — |
| Georgia | 19 | 6.375% | $8,689 | — |
| Massachusetts | 18 | 6.312% | $6,870 | — |
| Minnesota | 18 | 6.312% | $6,757 | — |
| Colorado | 16 | 6.495% | $8,593 | — |
| Indiana | 14 | 6.375% | $6,102 | — |
| Louisiana | 14 | 6.625% | $6,746 | — |
| South Carolina | 14 | 6.433% | $6,047 | — |
| Wisconsin | 13 | 6.125% | $5,807 | — |
| Iowa | 12 | 6.490% | $5,124 | — |
| Kansas | 12 | 6.433% | $8,105 | — |
| Washington | 12 | 6.188% | $4,795 | — |
| Alabama | 11 | 6.625% | $5,992 | — |
| Mississippi | 11 | 6.250% | $9,154 | — |
| Arkansas | 10 | 6.495% | $7,040 | — |
| California | 9 | 6.500% | $9,516 | — |
| Delaware | 9 | 6.490% | $12,072 | — |
| West Virginia | 7 | 6.490% | $4,354 | — |
| Connecticut | 4 | 6.183% | $5,503 | — |
| Maine | 4 | 6.375% | $9,550 | — |
| Oregon | 2 | 6.875% | $4,488 | — |
| Alaska | 1 | 6.375% | $10,196 | — |
| North Dakota | 1 | 6.375% | $3,863 | — |
| New Mexico | 1 | 6.125% | $22,135 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,264 | 6.490% | — | 19 | −$2,224 | |
| 2 | $5,300 | 6.500% | — | 25 | −$1,188 | |
| 3 | $5,718 | 6.625% | — | 36 | −$770 | |
| 4 | $5,863 | 6.750% | — | 32 | −$625 | |
| 5 | $5,935 | 6.750% | — | 40 | −$553 | |
| 6 | $6,005 | 6.490% | — | 38 | −$483 | |
| 7 | $6,044 | 6.625% | — | 26 | −$444 | |
| 8 | $6,069 | 6.625% | — | 22 | −$419 | |
| 9 | $6,108 | 6.490% | — | 52 | −$380 | |
| 10 | $6,211 | 6.625% | — | 20 | −$277 | |
| 11 | $6,222 | 6.625% | — | 19 | −$266 | |
| 12 | $6,384 | 6.750% | — | 19 | −$104 | |
| 13 | $6,462 | 6.312% | — | 32 | −$26 | |
| 14 | $6,502 | 6.625% | — | 29 | +$14 | |
| 15 | $6,516 | 6.625% | — | 36 | +$28 | |
| 16 | $6,522 | 6.490% | — | 31 | +$34 | |
| 17 | $6,614 | 6.625% | — | 45 | +$126 | |
| 18 | $6,723 | 6.500% | — | 94 | +$235 | |
| 19 | $6,818 | 6.625% | — | 20 | +$330 | |
| 20 | $7,068 | 6.375% | — | 21 | +$580 |
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 | Mortgage Access Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $6,488 | $7,127 | −$639 (−9.0%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.