Purchase Originations
375
Median Total Costs
$5,141
−23.0% vs national ($6,680)
↑ $389 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$895
Median Lender Credits
$670
Denial Rate
0.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 342 | 6.375% | $4,859 | $895 |
| fha | 28 | 6.125% | $10,169 | $1,020 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 243 | 6.250% | $5,162 | #90 |
| New Jersey | 46 | 6.438% | $4,335 | — |
| Florida | 15 | 6.125% | $6,918 | — |
| Texas | 11 | 6.000% | $7,232 | — |
| Connecticut | 6 | 6.562% | $4,192 | — |
| North Carolina | 5 | 6.375% | $5,998 | — |
| Ohio | 5 | 5.990% | $3,818 | — |
| Indiana | 4 | 6.312% | $5,247 | — |
| Oklahoma | 4 | 5.562% | $9,959 | — |
| Kentucky | 3 | 5.625% | $10,443 | — |
| Massachusetts | 3 | 5.875% | $9,500 | — |
| South Carolina | 3 | 6.375% | $3,699 | — |
| Virginia | 3 | 6.500% | $3,326 | — |
| Colorado | 2 | 7.500% | $18,010 | — |
| Delaware | 2 | 7.245% | $9,394 | — |
| Maryland | 2 | 6.438% | $3,879 | — |
| Michigan | 2 | 6.500% | $4,308 | — |
| New Mexico | 2 | 6.562% | $3,976 | — |
| Oregon | 2 | 5.990% | $4,775 | — |
| Tennessee | 2 | 5.938% | $8,018 | — |
| Arkansas | 1 | 5.625% | $2,137 | — |
| Arizona | 1 | 7.375% | $4,223 | — |
| California | 1 | 6.625% | $9,186 | — |
| Georgia | 1 | 6.250% | $15,798 | — |
| Louisiana | 1 | 6.000% | $8,567 | — |
| Minnesota | 1 | 6.990% | $2,143 | — |
| Montana | 1 | 6.625% | $6,531 | — |
| Nebraska | 1 | 6.375% | $1,799 | — |
| Wisconsin | 1 | 5.990% | $4,304 | — |
| Wyoming | 1 | 5.990% | $10,667 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,769 | 6.438% | — | 8 | −$1,372 | |
| 2 | $3,980 | 6.500% | — | 3 | −$1,161 | |
| 3 | $4,049 | 6.500% | — | 20 | −$1,092 | |
| 4 | $4,192 | 6.562% | — | 4 | −$949 | |
| 5 | $4,537 | 6.125% | — | 5 | −$604 | |
| 6 | $4,730 | 5.875% | — | 5 | −$411 | |
| 7 | $4,818 | 6.250% | — | 102 | −$323 | |
| 8 | $4,945 | 6.250% | — | 20 | −$196 | |
| 9 | $5,219 | 6.250% | — | 21 | +$78 | |
| 10 | $5,247 | 6.312% | — | 4 | +$106 | |
| 11 | $5,404 | 6.250% | — | 63 | +$263 | |
| 12 | $5,931 | 6.500% | — | 21 | +$790 | |
| 13 | $6,256 | 5.683% | — | 2 | +$1,115 | |
| 14 | $7,498 | 6.500% | — | 2 | +$2,357 | |
| 15 | $8,223 | 5.750% | — | 3 | +$3,082 | |
| 16 | $8,445 | 6.438% | — | 2 | +$3,304 | |
| 17 | $8,798 | 7.438% | — | 2 | +$3,657 | |
| 18 | $8,802 | 5.875% | — | 3 | +$3,661 | |
| 19 | $9,860 | 6.500% | — | 3 | +$4,719 | |
| 20 | $11,860 | 5.375% | — | 3 | +$6,719 |
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 | MortgageCountry, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $5,141 | $7,127 | −$1,986 (−27.9%) |
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.