Purchase Originations
221
Median Total Costs
$7,164
+7.3% vs national ($6,680)
↑ $853 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$727
Median Lender Credits
$221
Denial Rate
2.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 179 | 6.750% | $7,455 | $515 |
| conventional | 42 | 6.750% | $5,272 | $1,816 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 106 | 6.750% | $6,844 | #130 |
| Indiana | 22 | 6.250% | $5,822 | — |
| Kentucky | 21 | 6.750% | $7,005 | — |
| Michigan | 14 | 6.562% | $5,655 | — |
| California | 12 | 6.250% | $10,763 | — |
| Virginia | 10 | 6.750% | $8,248 | — |
| Florida | 7 | 6.250% | $9,868 | — |
| Louisiana | 6 | 6.250% | $6,944 | — |
| Illinois | 5 | 6.750% | $5,827 | — |
| South Carolina | 4 | 6.750% | $9,488 | — |
| West Virginia | 4 | 6.750% | $7,178 | — |
| North Carolina | 3 | 6.250% | $8,104 | — |
| Pennsylvania | 2 | 6.750% | $5,278 | — |
| Arkansas | 1 | 6.500% | $9,498 | — |
| Georgia | 1 | 6.500% | $5,915 | — |
| New Mexico | 1 | 6.250% | $11,040 | — |
| Texas | 1 | 6.750% | $8,099 | — |
| Washington | 1 | 5.875% | $13,185 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,984 | 6.688% | — | 6 | −$2,180 | |
| 2 | $5,186 | 6.875% | — | 7 | −$1,978 | |
| 3 | $5,662 | 6.750% | — | 6 | −$1,502 | |
| 4 | $5,757 | 6.750% | — | 7 | −$1,407 | |
| 5 | $6,023 | 6.875% | — | 4 | −$1,141 | |
| 6 | $6,213 | 7.000% | — | 4 | −$951 | |
| 7 | $6,566 | 6.250% | — | 6 | −$598 | |
| 8 | $6,652 | 6.250% | — | 4 | −$512 | |
| 9 | $6,762 | 6.750% | — | 5 | −$402 | |
| 10 | $6,801 | 6.250% | — | 10 | −$363 | |
| 11 | $7,260 | 6.250% | — | 17 | +$96 | |
| 12 | $7,833 | 6.750% | — | 5 | +$669 | |
| 13 | $7,984 | 6.750% | — | 3 | +$820 | |
| 14 | $8,395 | 6.250% | — | 3 | +$1,231 | |
| 15 | $8,495 | 6.750% | — | 5 | +$1,331 | |
| 16 | $8,924 | 6.875% | — | 5 | +$1,760 | |
| 17 | $9,117 | 6.750% | — | 3 | +$1,953 | |
| 18 | $9,401 | 6.250% | — | 8 | +$2,237 | |
| 19 | $9,554 | 6.750% | — | 3 | +$2,390 | |
| 20 | $11,339 | 6.750% | — | 3 | +$4,175 |
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 | Mycumortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $185,000 | $335,000 | −$150,000 (−44.8%) |
| Median total closing costs | $7,164 | $7,127 | +$37 (+0.5%) |
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.