Purchase Originations
226
Median Total Costs
$8,601
+28.8% vs national ($6,680)
↑ $29 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.125% vs prior year
Median Origination
$1,795
Median Lender Credits
$49
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 102 | 6.500% | $10,648 | $1,848 |
| conventional | 71 | 6.875% | $5,802 | $1,795 |
| va | 27 | 6.625% | $5,679 | $527 |
| usda | 26 | 6.312% | $8,684 | $2,432 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 220 | 6.625% | $8,559 | #155 |
| North Carolina | 6 | 6.625% | $9,762 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,775 | 6.875% | — | 1 | −$3,826 | |
| 2 | $5,220 | 6.750% | — | 1 | −$3,381 | |
| 3 | $6,425 | 6.625% | — | 1 | −$2,176 | |
| 4 | $6,924 | 6.125% | — | 1 | −$1,677 | |
| 5 | $7,387 | 6.250% | — | 15 | −$1,214 | |
| 6 | $7,455 | 6.625% | — | 58 | −$1,146 | |
| 7 | $7,722 | 6.625% | — | 7 | −$879 | |
| 8 | $7,735 | 6.750% | — | 3 | −$866 | |
| 9 | $8,046 | 7.125% | — | 1 | −$555 | |
| 10 | $8,600 | 6.500% | — | 7 | −$1 | |
| 11 | $8,740 | 7.000% | — | 3 | +$139 | |
| 12 | $8,747 | 6.500% | — | 6 | +$146 | |
| 13 | $9,241 | 6.500% | — | 2 | +$640 | |
| 14 | $9,571 | 6.500% | — | 113 | +$970 | |
| 15 | $10,155 | 6.500% | — | 1 | +$1,554 | |
| 16 | $11,665 | 6.688% | — | 2 | +$3,064 | |
| 17 | $12,520 | 6.500% | — | 1 | +$3,919 | |
| 18 | $12,670 | 6.875% | — | 2 | +$4,069 | |
| 19 | $14,116 | 7.375% | — | 1 | +$5,515 |
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 Financial Group, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $8,601 | $7,127 | +$1,474 (+20.7%) |
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.