Purchase Originations
1,177
Ranked #331 nationally
Median Total Costs
$10,054
+50.5% vs national ($6,680)
↑ $856 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,629
Median Lender Credits
$350
Cost Rank (500+ vol.)
#548
among lenders with 500+ originations
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 527 | 6.750% | $8,433 | $4,110 |
| fha | 372 | 6.500% | $14,204 | $3,912 |
| va | 276 | 6.625% | $5,805 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 508 | 6.625% | $12,338 | #75 |
| Florida | 111 | 6.500% | $7,399 | #219 |
| Arizona | 110 | 6.625% | $10,426 | #94 |
| Utah | 71 | 6.750% | $13,279 | #66 |
| Texas | 44 | 6.625% | $9,268 | — |
| Georgia | 37 | 6.625% | $6,705 | — |
| Washington | 35 | 6.625% | $8,750 | — |
| Alabama | 28 | 6.500% | $8,092 | — |
| Missouri | 26 | 6.188% | $6,486 | — |
| Virginia | 26 | 6.562% | $9,566 | — |
| Colorado | 22 | 6.188% | $11,782 | — |
| Oregon | 19 | 7.000% | $7,535 | — |
| Tennessee | 15 | 6.625% | $11,591 | — |
| Nevada | 14 | 6.250% | $12,758 | — |
| South Carolina | 13 | 6.500% | $6,405 | — |
| Illinois | 11 | 6.750% | $4,795 | — |
| North Carolina | 10 | 6.688% | $5,471 | — |
| Idaho | 8 | 6.750% | $7,221 | — |
| Indiana | 7 | 7.125% | $1,174 | — |
| Michigan | 7 | 7.250% | $6,486 | — |
| Louisiana | 6 | 6.250% | $6,739 | — |
| Maryland | 6 | 6.875% | $8,753 | — |
| Ohio | 6 | 6.688% | $8,230 | — |
| Oklahoma | 5 | 7.125% | $10,376 | — |
| New Mexico | 4 | 6.312% | $3,255 | — |
| Pennsylvania | 4 | 7.000% | $9,111 | — |
| Wyoming | 4 | 6.625% | $2,269 | — |
| Arkansas | 3 | 7.500% | $638 | — |
| Kansas | 3 | 7.000% | $1,654 | — |
| West Virginia | 3 | 7.000% | $10,126 | — |
| Iowa | 2 | 6.500% | $4,030 | — |
| Kentucky | 2 | 6.625% | $10,008 | — |
| Montana | 2 | 6.875% | $9,717 | — |
| District of Columbia | 1 | 6.500% | $20,539 | — |
| Hawaii | 1 | 6.250% | $22,579 | — |
| Minnesota | 1 | 6.875% | $7,464 | — |
| South Dakota | 1 | 7.250% | $11,845 | — |
| Wisconsin | 1 | 6.750% | $3,905 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,755 | 6.750% | — | 16 | −$5,299 | |
| 2 | $4,807 | 6.750% | — | 16 | −$5,247 | |
| 3 | $6,638 | 6.438% | — | 12 | −$3,416 | |
| 4 | $7,185 | 6.438% | — | 12 | −$2,869 | |
| 5 | $7,949 | 6.750% | — | 23 | −$2,105 | |
| 6 | $8,638 | 6.250% | — | 15 | −$1,416 | |
| 7 | $10,505 | 6.625% | — | 77 | +$451 | |
| 8 | $10,523 | 6.750% | — | 13 | +$469 | |
| 9 | $10,677 | 6.750% | — | 91 | +$623 | |
| 10 | $11,208 | 6.625% | — | 17 | +$1,154 | |
| 11 | $11,712 | 6.250% | — | 16 | +$1,658 | |
| 12 | $12,828 | 6.625% | — | 17 | +$2,774 | |
| 13 | $13,569 | 6.312% | — | 14 | +$3,515 | |
| 14 | $13,810 | 6.625% | — | 25 | +$3,756 | |
| 15 | $14,242 | 6.375% | — | 39 | +$4,188 | |
| 16 | $14,443 | 6.500% | — | 77 | +$4,389 | |
| 17 | $15,187 | 6.625% | — | 18 | +$5,133 | |
| 18 | $16,572 | 6.750% | — | 31 | +$6,518 | |
| 19 | $16,888 | 6.750% | — | 19 | +$6,834 | |
| 20 | $17,358 | 6.875% | — | 47 | +$7,304 |
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 | Mortgageone, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $395,000 | $335,000 | +$60,000 (+17.9%) |
| Median total closing costs | $10,054 | $7,127 | +$2,927 (+41.1%) |
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.