Purchase Originations
210
Median Total Costs
$8,756
+31.1% vs national ($6,680)
↓ $563 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,401
Median Lender Credits
$225
Denial Rate
5.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 112 | 6.875% | $7,607 | $3,472 |
| fha | 69 | 6.750% | $11,946 | $3,147 |
| va | 23 | 6.750% | $8,346 | $4,440 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 178 | 6.750% | $8,682 | #170 |
| South Carolina | 28 | 6.438% | $11,304 | — |
| North Carolina | 2 | 7.188% | $8,937 | — |
| Georgia | 1 | 6.625% | $5,363 | — |
| Texas | 1 | 7.250% | $7,970 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,365 | 6.750% | — | 3 | −$1,391 | |
| 2 | $7,751 | 7.125% | — | 13 | −$1,005 | |
| 3 | $7,798 | 6.938% | — | 70 | −$958 | |
| 4 | $7,863 | 6.750% | — | 3 | −$893 | |
| 5 | $8,039 | 6.750% | — | 11 | −$717 | |
| 6 | $8,524 | 6.500% | — | 6 | −$232 | |
| 7 | $8,567 | 6.812% | — | 4 | −$189 | |
| 8 | $8,579 | 6.875% | — | 2 | −$177 | |
| 9 | $9,207 | 6.250% | — | 2 | +$451 | |
| 10 | $9,742 | 7.812% | — | 2 | +$986 | |
| 11 | $9,950 | 7.125% | — | 19 | +$1,194 | |
| 12 | $10,032 | 6.500% | — | 11 | +$1,276 | |
| 13 | $11,368 | 6.750% | — | 5 | +$2,612 | |
| 14 | $11,946 | 6.750% | — | 9 | +$3,190 | |
| 15 | $12,323 | 6.250% | — | 6 | +$3,567 | |
| 16 | $12,498 | 6.750% | — | 3 | +$3,742 | |
| 17 | $12,825 | 6.250% | — | 4 | +$4,069 | |
| 18 | $13,437 | 6.188% | — | 2 | +$4,681 | |
| 19 | $14,687 | 6.000% | — | 3 | +$5,931 | |
| 20 | $19,176 | 6.125% | — | 2 | +$10,420 |
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 Lenders Investment Trading Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $8,756 | $7,127 | +$1,629 (+22.9%) |
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.