Purchase Originations
316
Median Total Costs
$5,748
−13.9% vs national ($6,680)
↓ $606 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,445
Median Lender Credits
$800
Denial Rate
10.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 225 | 6.500% | $4,923 | $1,445 |
| fha | 77 | 6.125% | $16,486 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 277 | 6.375% | $5,756 | #42 |
| Florida | 18 | 6.250% | $8,890 | — |
| Vermont | 15 | 6.625% | $4,697 | — |
| New Hampshire | 2 | 6.500% | $4,333 | — |
| Rhode Island | 2 | 6.438% | $8,283 | — |
| Maine | 1 | 6.875% | $3,802 | — |
| Texas | 1 | 6.000% | $9,675 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,782 | 6.500% | — | 1 | −$2,966 | |
| 2 | $3,802 | 6.875% | — | 1 | −$1,946 | |
| 3 | $4,212 | 6.375% | — | 1 | −$1,536 | |
| 4 | $4,454 | 6.625% | — | 1 | −$1,294 | |
| 5 | $4,889 | 6.625% | — | 1 | −$859 | |
| 6 | $4,955 | 6.500% | — | 36 | −$793 | |
| 7 | $5,008 | 6.625% | — | 10 | −$740 | |
| 8 | $5,303 | 6.438% | — | 30 | −$445 | |
| 9 | $5,367 | 6.500% | — | 12 | −$381 | |
| 10 | $5,617 | 6.375% | — | 65 | −$131 | |
| 11 | $5,740 | 6.250% | — | 43 | −$8 | |
| 12 | $5,805 | 6.750% | — | 6 | +$57 | |
| 13 | $6,071 | 6.875% | — | 1 | +$323 | |
| 14 | $6,488 | 6.562% | — | 2 | +$740 | |
| 15 | $6,685 | 6.250% | — | 79 | +$937 | |
| 16 | $6,769 | 6.250% | — | 1 | +$1,021 | |
| 17 | $6,841 | 6.438% | — | 2 | +$1,093 | |
| 18 | $9,016 | 6.562% | — | 4 | +$3,268 | |
| 19 | $10,444 | 5.938% | — | 2 | +$4,696 | |
| 20 | $10,712 | 6.188% | — | 10 | +$4,964 |
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 | Msa Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $575,000 | $335,000 | +$240,000 (+71.6%) |
| Median total closing costs | $5,748 | $7,127 | −$1,379 (−19.3%) |
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.