Purchase Originations
1,236
Ranked #320 nationally
Median Total Costs
$6,063
−9.2% vs national ($6,680)
↑ $51 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,495
Median Lender Credits
$575
Cost Rank (500+ vol.)
#284
among lenders with 500+ originations
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 974 | 6.625% | $5,575 | $1,495 |
| fha | 199 | 6.250% | $9,097 | $1,495 |
| va | 45 | 6.125% | $7,292 | $1,319 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 1,222 | 6.500% | $6,063 | #16 |
| Delaware | 6 | 6.562% | $6,609 | — |
| New Jersey | 5 | 6.375% | $8,185 | — |
| Florida | 2 | 6.500% | $8,498 | — |
| South Carolina | 1 | 6.750% | $4,298 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,823 | 6.625% | — | 7 | −$1,240 | |
| 2 | $4,990 | 6.500% | — | 58 | −$1,073 | |
| 3 | $5,296 | 6.500% | — | 41 | −$767 | |
| 4 | $5,299 | 6.000% | — | 6 | −$764 | |
| 5 | $5,498 | 6.625% | — | 129 | −$565 | |
| 6 | $5,500 | 6.500% | — | 116 | −$563 | |
| 7 | $5,705 | 6.375% | — | 74 | −$358 | |
| 8 | $5,710 | 6.625% | — | 94 | −$353 | |
| 9 | $5,734 | 6.625% | — | 21 | −$329 | |
| 10 | $5,842 | 6.625% | — | 11 | −$221 | |
| 11 | $6,028 | 6.750% | — | 14 | −$35 | |
| 12 | $6,106 | 6.625% | — | 19 | +$43 | |
| 13 | $6,188 | 6.500% | — | 6 | +$125 | |
| 14 | $6,303 | 6.625% | — | 59 | +$240 | |
| 15 | $6,721 | 6.500% | — | 341 | +$658 | |
| 16 | $6,735 | 6.312% | — | 22 | +$672 | |
| 17 | $6,743 | 6.625% | — | 9 | +$680 | |
| 18 | $6,785 | 6.500% | — | 19 | +$722 | |
| 19 | $6,820 | 6.500% | — | 114 | +$757 | |
| 20 | $7,421 | 6.500% | — | 29 | +$1,358 |
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 America, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $6,063 | $7,127 | −$1,064 (−14.9%) |
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.